Originally established in 2009 as Personal Real Estate Services, The Mortgage Hub was founded based on the simple vision to bring a more empathetic, personable, and innovative experience to the mortgage banking process. Based in Huntington Beach, CA we understand the mortgage process and can quickly get you into the home of your dreams.
The Mortgage Hub has always been 100% referral based, so it is our goal to build long lasting client and partner relationships by adding value that goes over and beyond the expectations through financial education and a transparent systematic approach resulting in a fast origination experience.Our established network of real estate professionals throughout California will be able to serve your needs promptly and with a very personalized approach.
Whether you are a first time homebuyer, just starting your research, or a seasoned investor you will be treated with the same high level of distinction. We're here to help. So if you're not sure which mortgage is right for you, contact us to schedule a free consultation.
The Mortgage Hub has always been 100% referral based, so it is our goal to build long lasting client and partner relationships by adding value that goes over and beyond the expectations through financial education and a transparent systematic approach resulting in a fast origination experience.Our established network of real estate professionals throughout California will be able to serve your needs promptly and with a very personalized approach.
Whether you are a first time homebuyer, just starting your research, or a seasoned investor you will be treated with the same high level of distinction. We're here to help. So if you're not sure which mortgage is right for you, contact us to schedule a free consultation.
Services
Our team will patiently guide you through every step of the mortgage process.
This allows you to enjoy a stress-free financing experience whether you're refinancing, buying your first home, or purchasing an investment property.
If you're worried that your income and credit history will prevent you from buying a home, an FHA Loan may be just what you need.
Since an FHA loan is insured by the Federal Housing Administration (FHA), lenders may approve your FHA Loan even if your credit history and income are less than stellar.
This allows you to enjoy a stress-free financing experience whether you're refinancing, buying your first home, or purchasing an investment property.
If you're worried that your income and credit history will prevent you from buying a home, an FHA Loan may be just what you need.
Since an FHA loan is insured by the Federal Housing Administration (FHA), lenders may approve your FHA Loan even if your credit history and income are less than stellar.
Wondering just how much lower your payments will be on a 30-year fixed mortgage compared to a 15-year fixed?
When you obtain a 30-year fixed rate loan to buy your home or refinance, you'll make monthly payments based on the interest rate and principal loan amount.
Each monthly payment you make will pay down a portion of your loan balance, which includes interest and principal.
As time goes on and your payments lower the balance of your loan, the total cost of interest will also go down.
As a result, an increasingly large proportion of your monthly payment will go towards the loan's principal.
When you obtain a 30-year fixed rate loan to buy your home or refinance, you'll make monthly payments based on the interest rate and principal loan amount.
Each monthly payment you make will pay down a portion of your loan balance, which includes interest and principal.
As time goes on and your payments lower the balance of your loan, the total cost of interest will also go down.
As a result, an increasingly large proportion of your monthly payment will go towards the loan's principal.
When you obtain a 15-year fixed rate loan to buy your home or refinance, you'll make monthly payments based on the interest rate and principal loan amount.
Because the term of a 15-year mortgage is half that of a traditional 30-year fixed mortgage, you'll pay significantly less interest over the life of your loan.
However, while the interest rate and total amount of interest you pay will be lower because the 15-year mortgage's term is shorter, your payments will be higher than they would be with a 30-year fixed rate mortgage.
Because the term of a 15-year mortgage is half that of a traditional 30-year fixed mortgage, you'll pay significantly less interest over the life of your loan.
However, while the interest rate and total amount of interest you pay will be lower because the 15-year mortgage's term is shorter, your payments will be higher than they would be with a 30-year fixed rate mortgage.
Keep in mind that you'll have to pay for mortgage insurance if your down payment is less than 20% of your home's purchase price.
When your Flex-Term fixed rate mortgage closes, you'll start making monthly payments based on the interest rate and the principal loan amount.
As with a traditional 30 or 15-year fixed rate loan, each monthly payment will pay down a portion of your loan balance.
As time goes on and your payments lower the balance of your loan, the total cost of interest will also go down.
When your Flex-Term fixed rate mortgage closes, you'll start making monthly payments based on the interest rate and the principal loan amount.
As with a traditional 30 or 15-year fixed rate loan, each monthly payment will pay down a portion of your loan balance.
As time goes on and your payments lower the balance of your loan, the total cost of interest will also go down.
The VA Loan program offers a variety of flexible loan options including fixed rates on 30, 20, and 15-year terms.
5-year adjustable-rate and Jumbo VA loans are also available.
Ability to refinance up to 100% of your primary home's value or buy your primary home with no money down.
Option to easily refinance with reduced funding fees and flexible documentation requirements using a VA Streamlined Refinance.
Additionally, if you choose a fixed-rate VA Loan, you'll enjoy the peace of mind that comes with knowing that your mortgage payment will not change throughout the life of the loan.
5-year adjustable-rate and Jumbo VA loans are also available.
Ability to refinance up to 100% of your primary home's value or buy your primary home with no money down.
Option to easily refinance with reduced funding fees and flexible documentation requirements using a VA Streamlined Refinance.
Additionally, if you choose a fixed-rate VA Loan, you'll enjoy the peace of mind that comes with knowing that your mortgage payment will not change throughout the life of the loan.
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