Whether you're a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, I can help you before you ever make an offer on a property. I take the time to sit down with you and look over your budget, income and savings, helping you get a clear picture of what type and amount of loan is realistic. There are many factors to consider when getting a home loan; interest rates are only one element of the complete package.
I can help you consider all your options so you can concentrate on making the best decision for your needs. The financial aspects of home buying can be stressful and overwhelming-but they don't have to be, not with a trained and caring professional like myself in your corner. Finding a great home loan involves careful consideration of your needs, finances and history.
We are here to guide you. We have worked with Matthew Barba multiple times and have had a great experience each time. Matt and the team guided us through the entire mortgage and loan process, answering all questions along the way.
I can help you consider all your options so you can concentrate on making the best decision for your needs. The financial aspects of home buying can be stressful and overwhelming-but they don't have to be, not with a trained and caring professional like myself in your corner. Finding a great home loan involves careful consideration of your needs, finances and history.
We are here to guide you. We have worked with Matthew Barba multiple times and have had a great experience each time. Matt and the team guided us through the entire mortgage and loan process, answering all questions along the way.
Services
For over 30 years, we have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual home buyers throughout the state.
Our team was one of the lead lending sources when Pacific Bell (now At&t) moved from San Francisco to San Ramon, CA.
And, now it's our pleasure to offer all of our exceptional mortgage services online.
Through us you not only have access to the best loans available in the marketplace, but you can also review loan alternatives, and even apply for your loan, at your convenience, online - 24 hours a day.
Our team was one of the lead lending sources when Pacific Bell (now At&t) moved from San Francisco to San Ramon, CA.
And, now it's our pleasure to offer all of our exceptional mortgage services online.
Through us you not only have access to the best loans available in the marketplace, but you can also review loan alternatives, and even apply for your loan, at your convenience, online - 24 hours a day.
Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed.
1st Choice Mortgage does not guarantee the accuracy of any information or inputs by users of the software.
This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Loan Consultants.
Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator.
1st Choice Mortgage does not guarantee the accuracy of any information or inputs by users of the software.
This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Loan Consultants.
Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator.
USDA Loans offer flexible options as either Fixed Rate or Adjustable Rate mortgages.
You may qualify with less than perfect credit.
Buying a home with little or no down payment can provide opportunities for buyers that otherwise may not be able to become homeowners.
Fortunately for today's buyers, there are a few programs that can help them qualify for a mortgage with a very small down payment.
One that is not widely discussed is the USDA Single Family Housing Guaranteed Loan Program.
The United States Department of Agriculture, USDA, administers the program but does not actually loan money.
You may qualify with less than perfect credit.
Buying a home with little or no down payment can provide opportunities for buyers that otherwise may not be able to become homeowners.
Fortunately for today's buyers, there are a few programs that can help them qualify for a mortgage with a very small down payment.
One that is not widely discussed is the USDA Single Family Housing Guaranteed Loan Program.
The United States Department of Agriculture, USDA, administers the program but does not actually loan money.
Fix up your fixer upper home with a Rehab Loan.
If you have found the perfect home but it needs renovation, you can purchase the home and roll the costs of the renovation into your loan.
An FHA 203(k) Loan, also called a Renovation Loan, allows buyers to finance the cost of the home and the renovation in one mortgage with a low rate.
The VA also offers a similar option for military and veterans to purchase a home and finance the required renovations to bring it up to standards set by the VA.
Rehab loans have similar qualification requirements to a standard FHA or VA loan, with additional documentation needed related to the renovation.
If you have found the perfect home but it needs renovation, you can purchase the home and roll the costs of the renovation into your loan.
An FHA 203(k) Loan, also called a Renovation Loan, allows buyers to finance the cost of the home and the renovation in one mortgage with a low rate.
The VA also offers a similar option for military and veterans to purchase a home and finance the required renovations to bring it up to standards set by the VA.
Rehab loans have similar qualification requirements to a standard FHA or VA loan, with additional documentation needed related to the renovation.
Ready to reach financial independence through real estate?
Whether you are looking for an investment property or a vacation home to spend relaxing days, 1st Choice Mortgage can bring the same level of personalized attention and service to all of your real estate purchases.
Your dream home might be within reach!
1st Choice Mortgage can help with investment property loans.
Our prequalification process will ensure that you are ready to buy and we can help you find a real estate agent to meet your needs.
Whether you are looking for an investment property or a vacation home to spend relaxing days, 1st Choice Mortgage can bring the same level of personalized attention and service to all of your real estate purchases.
Your dream home might be within reach!
1st Choice Mortgage can help with investment property loans.
Our prequalification process will ensure that you are ready to buy and we can help you find a real estate agent to meet your needs.
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