All California Mortgage has been helping clients with purchase and refinance loans for more than 25 years. Our knowledgeable, experienced professionals deliver transparent solutions and tools to help customers navigate the sometimes tricky world of mortgage lending and are committed to finding you a loan program based on your individual needs. Since 1992, All California Mortgage has provided quality service in every area of mortgage lending.
From purchase to refinance to construction and commercial lending and reverse mortgages, we have access to a full range of mortgage sources. Our lending specialists are dedicated to finding you a loan-with great rates, terms and costs to meet your unique needs.
From purchase to refinance to construction and commercial lending and reverse mortgages, we have access to a full range of mortgage sources. Our lending specialists are dedicated to finding you a loan-with great rates, terms and costs to meet your unique needs.
Services
Since 1992, All California Mortgage has provided quality service in every area of mortgage lending.
From purchase to refinance to construction and commercial lending, we have access to a full range of mortgage sources.
Our lending specialists are dedicated to finding you a loan-with great rates, terms and costs to meet your unique needs.
To conduct business in a manner that promotes wellbeing, unparalleled competency, and a spirit of generosity to all who cross our path.
To continually evolve and grow a mortgage company where dedicated management, broad support networks and innovative sales tools provide a recognized advantage for every employee and every customer.
From purchase to refinance to construction and commercial lending, we have access to a full range of mortgage sources.
Our lending specialists are dedicated to finding you a loan-with great rates, terms and costs to meet your unique needs.
To conduct business in a manner that promotes wellbeing, unparalleled competency, and a spirit of generosity to all who cross our path.
To continually evolve and grow a mortgage company where dedicated management, broad support networks and innovative sales tools provide a recognized advantage for every employee and every customer.
In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions, say "good bye" to paying rent and take control of your living environment.
Whether you are a first-time home buyer, or are purchasing a new or second home, we have an assortment of tools and loan programs to meet your individual financing needs.
Due to our long-term established relationships we enjoy with leading national lenders, including exclusive lending relationships, we can provide a broader range of programs and pricing.
Whether you are a first-time home buyer, or are purchasing a new or second home, we have an assortment of tools and loan programs to meet your individual financing needs.
Due to our long-term established relationships we enjoy with leading national lenders, including exclusive lending relationships, we can provide a broader range of programs and pricing.
Home equity lines are adjustable rate mortgages that are typically tied to the Prime Lending Rate.
They are usually positioned behind your first mortgage (i.e. as a second mortgage).
A Home Equity Line of Credit is similar to a credit card.
You can borrow money up to your credit limit, and you are only charged interest on the portion that you borrow.
You can pay down the balance, then reuse the available credit.
Most HELOC's have an initial "draw term", usually 10 years, in which you can draw money out, and for which a minimum monthly payment is required.
They are usually positioned behind your first mortgage (i.e. as a second mortgage).
A Home Equity Line of Credit is similar to a credit card.
You can borrow money up to your credit limit, and you are only charged interest on the portion that you borrow.
You can pay down the balance, then reuse the available credit.
Most HELOC's have an initial "draw term", usually 10 years, in which you can draw money out, and for which a minimum monthly payment is required.
A Tenancy in Common ("TIC") is a legal way of holding an undivided interest in real property, or more simply, allowing for a multi-unit building to be owned by multiple parties.
With TIC agreements and financing, each party has exclusive use and ownership of their unit.
There are several ways to finance TICs - group loans and fractional loans are the most common.
There are different benefits associated with each type.
With a Fractional TIC, you can now own a unit in a building that isn't classified as a condominium, yet from a financing perspective, will feel that way.
With TIC agreements and financing, each party has exclusive use and ownership of their unit.
There are several ways to finance TICs - group loans and fractional loans are the most common.
There are different benefits associated with each type.
With a Fractional TIC, you can now own a unit in a building that isn't classified as a condominium, yet from a financing perspective, will feel that way.
Private money, or 'hard money' lending, provides mortgage loans to borrowers who, for one reason or another cannot be approved for a mortgage through a conventional lending source.
The loans are funded by private investors who want to earn interest income from trust deeds secured by real estate.
Private money loans are generally made by companies that specialize in these types of loans.
One such company is ACM Investor Services, Inc.
ACM lends on owner-occupied single-family, condos, and units as well as investment single-family and 2-4 units, small commercial and apartment buildings, and other types of property on a case-by-case basis.
The loans are funded by private investors who want to earn interest income from trust deeds secured by real estate.
Private money loans are generally made by companies that specialize in these types of loans.
One such company is ACM Investor Services, Inc.
ACM lends on owner-occupied single-family, condos, and units as well as investment single-family and 2-4 units, small commercial and apartment buildings, and other types of property on a case-by-case basis.
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