When it comes to financing for real estate, you need relevant information to make the best decision for yourself and for your family. Jadestone Mortgage, Inc. located in San Francisco's east bay has the experience with FHA, VA, Conventional and Reverse Mortgage loans. Our objective is to help you achieve your goal, whether buying or refinancing or seeking a Reverse Mortgage.
Our friendly, experienced team will help you navigate the mortgage market to find the best possible solution based on your goal. We would love to hear from you. To learn more about us, please call us at 510 222 8840. Toll free 800 335 6268.
Our friendly, experienced team will help you navigate the mortgage market to find the best possible solution based on your goal. We would love to hear from you. To learn more about us, please call us at 510 222 8840. Toll free 800 335 6268.
Services
He and his team believe in giving individual attention to the specific needs of each customer.
There are many variables to each home and each home loan applicant.
Lending guidelines often change.
A one size fits all approach doesn't go far enough to address your needs.
For example: We don't have a mortgage payment calculator on our website.
Almost any calculator will give you the monthly payment for Principal and Interest if you enter a loan amount, interest rate and the number of years.
But did you know, most calculators don't include the property taxes, homeowners insurance, and any PMI (Private Mortgage Insurance) that may be required?
There are many variables to each home and each home loan applicant.
Lending guidelines often change.
A one size fits all approach doesn't go far enough to address your needs.
For example: We don't have a mortgage payment calculator on our website.
Almost any calculator will give you the monthly payment for Principal and Interest if you enter a loan amount, interest rate and the number of years.
But did you know, most calculators don't include the property taxes, homeowners insurance, and any PMI (Private Mortgage Insurance) that may be required?
If you are over the age of 62, and reside in your home as your principal residence, you may qualify for a reverse mortgage loan.
The loan you now have on your home will be paid off and there are NO MONTHLY PAYMENTS on a Home Equity Conversion Mortgage loan.
You must continue to pay your property tax and insurance.
There are new protections that can help manage the payment of property taxes and insurance.
This has reduced the risk these loans formerly had in that respect.
The amount of money you can access depends on your age, the amount of equity in your home, and the interest rate set by the lender.
The loan you now have on your home will be paid off and there are NO MONTHLY PAYMENTS on a Home Equity Conversion Mortgage loan.
You must continue to pay your property tax and insurance.
There are new protections that can help manage the payment of property taxes and insurance.
This has reduced the risk these loans formerly had in that respect.
The amount of money you can access depends on your age, the amount of equity in your home, and the interest rate set by the lender.
A veteran that completed enough qualifying enlistment time, on active duty or reserves, may have entitelment to apply to purchase home home with no money down.
How do I find out if I have enough entitlement?
If you have your DD214 you can ask the VA directly, or, we can help you obtain a Certificate of Eligibility at no cost or obligation to you.
I used my VA once before, can I use it again?
Yes.
Generally the VA requires the prior home to be sold before another is purchased but: We just helped a Veteran purchase a home who used the VA program in the 1990's to purchase a home that unfortunately ended in foreclosure just a few years later.
How do I find out if I have enough entitlement?
If you have your DD214 you can ask the VA directly, or, we can help you obtain a Certificate of Eligibility at no cost or obligation to you.
I used my VA once before, can I use it again?
Yes.
Generally the VA requires the prior home to be sold before another is purchased but: We just helped a Veteran purchase a home who used the VA program in the 1990's to purchase a home that unfortunately ended in foreclosure just a few years later.
Many families have changes that require planning about what to do with the home.
Changing who is on Title is one common need.
Changing the Deed, to add or subtract someone on title, doesn't change who is liable on the loan for the property.
To do that you need to refinance.
There are recent changes that make this easier when you want to transfer the ownership and also have a mortgage in the name of the new person.
Changing who is on Title is one common need.
Changing the Deed, to add or subtract someone on title, doesn't change who is liable on the loan for the property.
To do that you need to refinance.
There are recent changes that make this easier when you want to transfer the ownership and also have a mortgage in the name of the new person.
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