Our California mortgage refinance and purchase loan experts will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the ideal home loan that fits your needs.
Services
We believe in building strong relationships that are genuine in doing business the right way.
Most of our new customers are referrals from our existing happy clients.
Our relationship with local real estate professionals who have wonderful testimonials about us, have also help built our client-base.
We are proud of our long list of happy customers.
And, we are confident that we will meet and exceed your needs and expectations too.
Today's technology allows us to close loans quickly with minimal costs.
Most of our new customers are referrals from our existing happy clients.
Our relationship with local real estate professionals who have wonderful testimonials about us, have also help built our client-base.
We are proud of our long list of happy customers.
And, we are confident that we will meet and exceed your needs and expectations too.
Today's technology allows us to close loans quickly with minimal costs.
Ideally, one should be able to compare APRs from various lenders, then select the loan with the lowest APR.
Unfortunately it's not that simple.
Various lenders calculate APRs differently!
A loan with a lower APR may not be the best choice.
A good way to compare different lenders is to ask them to provide a Good Faith Estimate of closing costs.
Be sure you compare the same loan program (e.g., 30-year fixed), interest rate and rate lock period.
You may ignore fees that are independent of the loan, such as homeowners insurance, title fees, escrow fees, attorney fees, etc. Pay particular attention to loan fees.
Unfortunately it's not that simple.
Various lenders calculate APRs differently!
A loan with a lower APR may not be the best choice.
A good way to compare different lenders is to ask them to provide a Good Faith Estimate of closing costs.
Be sure you compare the same loan program (e.g., 30-year fixed), interest rate and rate lock period.
You may ignore fees that are independent of the loan, such as homeowners insurance, title fees, escrow fees, attorney fees, etc. Pay particular attention to loan fees.
In a reverse mortgage loan (also called a home equity conversion loan), borrowers of a certain age may use home equity for living expenses without selling their homes.
Choosing between a monthly amount, a line of credit, or a one-time payment, you can get a loan based on your equity.
The borrowed money does not have to be repaid until the homeowner sells the home, moves out, or dies.
At the time you sell your home or is no longer used as your main residence, you (or your estate) must repay the lender for the funds you obtained from the reverse mortgage as well as interest and other finance charges.
Choosing between a monthly amount, a line of credit, or a one-time payment, you can get a loan based on your equity.
The borrowed money does not have to be repaid until the homeowner sells the home, moves out, or dies.
At the time you sell your home or is no longer used as your main residence, you (or your estate) must repay the lender for the funds you obtained from the reverse mortgage as well as interest and other finance charges.
VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home.
The guaranty means the lender is protected against loss if you fail to repay the loan.
In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.
Counselling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.
The guaranty means the lender is protected against loss if you fail to repay the loan.
In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.
Counselling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.
Owning your own home provides several benefits.
In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions, say "good bye" to your landlord and take control of your living environment.
Whether you are a first-time home buyer, renter, or are purchasing a new or second home, we have an assortment of tools and loan programs to meet your individual financing needs.
Use our easy-to-navigate site, or contact us by phone today.
In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions, say "good bye" to your landlord and take control of your living environment.
Whether you are a first-time home buyer, renter, or are purchasing a new or second home, we have an assortment of tools and loan programs to meet your individual financing needs.
Use our easy-to-navigate site, or contact us by phone today.
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