Here's a simple, helpful walk-through of the entire home buying process from start to finish. 1. Decide on your new neighborhood. Spend some time researching the cities and neighborhoods that appeal to you. Be sure to think about your "must haves" - for example, do you want to be near a good elementary school, or shorten your daily commute? What about county, parish or township taxes?
2. Apply for home financing. This is an essential second step. Be sure to do this before you begin viewing homes - your Caliber Home Loans Loan Consultant can pre-qualify* you for financing so you can limit your search to affordable properties. You'll also receive a Loan Estimate with details of your proposed financing. 3. Find the right property.
Hiring a REALTOR to assist you can save you time and money. In addition to sharing his or her knowledge of neighborhoods and available properties, a REALTOR can help negotiate a better price with the seller. 4. Discuss your financing options with our Loan Consultant.
2. Apply for home financing. This is an essential second step. Be sure to do this before you begin viewing homes - your Caliber Home Loans Loan Consultant can pre-qualify* you for financing so you can limit your search to affordable properties. You'll also receive a Loan Estimate with details of your proposed financing. 3. Find the right property.
Hiring a REALTOR to assist you can save you time and money. In addition to sharing his or her knowledge of neighborhoods and available properties, a REALTOR can help negotiate a better price with the seller. 4. Discuss your financing options with our Loan Consultant.
Services
The Furrows Wagner Team has created a full service, customer oriented real estate financing experience.
The success of our team stems from the personalized, high level approach taken with every client and every referral source.
Senior Loan Officer at Caliber Home Loans, began her career in the lending industry in 1996 after graduating from UCSD.
She is a 3rd generation San Diego native well connected in the community.
She was notably a preferred Lender for the once San Diego Chargers!
Lani has closed over 6,000 loans from a myriad of buyers including first-time home buyers as well as multi-million dollar estates buyers.
The success of our team stems from the personalized, high level approach taken with every client and every referral source.
Senior Loan Officer at Caliber Home Loans, began her career in the lending industry in 1996 after graduating from UCSD.
She is a 3rd generation San Diego native well connected in the community.
She was notably a preferred Lender for the once San Diego Chargers!
Lani has closed over 6,000 loans from a myriad of buyers including first-time home buyers as well as multi-million dollar estates buyers.
Caliber Home Loans is committed to being a trusted resource in meeting the specific mortgage needs of the brave men and women of the United States Armed Forces who serve, or have served our country with resolute sacrifice.
The employees of Caliber strive to be ambassadors of goodwill and financial education in our military communities.
Our status as an approved VA lender, combined with our strong financial standing, gives us more control over the products we offer.
What's in it for you and your homebuyers?
The employees of Caliber strive to be ambassadors of goodwill and financial education in our military communities.
Our status as an approved VA lender, combined with our strong financial standing, gives us more control over the products we offer.
What's in it for you and your homebuyers?
Conventional loans are not insured by the FHA or VA.
Generally, these are a good option for homebuyers with higher credit scores and stable employment histories.
Interest rates for conventional loans are usually some of the lowest available.
A Relief Refinance is designed to help you make your existing mortgage more affordable.
For example, you may reduce your loan's interest rate to reduce your monthly payments, refinance to a fixed-rate loan from an adjustable-rate mortgage (ARM), or reduce your loan's term to save on interest.
Generally, these are a good option for homebuyers with higher credit scores and stable employment histories.
Interest rates for conventional loans are usually some of the lowest available.
A Relief Refinance is designed to help you make your existing mortgage more affordable.
For example, you may reduce your loan's interest rate to reduce your monthly payments, refinance to a fixed-rate loan from an adjustable-rate mortgage (ARM), or reduce your loan's term to save on interest.
An FHA loan is partially insured by the Federal Housing Administration (FHA), an agency created in 1934 to help borrowers and businesses recover from the Great Depression.
The FHA's insurance lessens a lender's risk when offering loans to buyers with limited funds for a down payment and/or for imperfect credit.
You may finance a single-family home, 2-4 unit property, modular home, condominium or a Planned Unit Development (PUD) property.
USDA loans are designed for homebuyers in rural locations who do not qualify for a conventional loan.
The FHA's insurance lessens a lender's risk when offering loans to buyers with limited funds for a down payment and/or for imperfect credit.
You may finance a single-family home, 2-4 unit property, modular home, condominium or a Planned Unit Development (PUD) property.
USDA loans are designed for homebuyers in rural locations who do not qualify for a conventional loan.
Premier Access is one of our Portfolio Lending Suite of home financing solutions.
This loan is designed to assist borrowers who are buying or refinancing a high-value property, but may not qualify for other Jumbo products.
Asset-based qualifying (also called asset depletion) is available for borrowers with high-balance retirement, stock, 401(k) or savings accounts.
Homeowner's Access is one of our Portfolio Lending Suite of home financing solutions.
These loans are designed to assist borrowers who can prove their ability to repay a mortgage, but may not qualify for traditional mortgage financing.
This loan is designed to assist borrowers who are buying or refinancing a high-value property, but may not qualify for other Jumbo products.
Asset-based qualifying (also called asset depletion) is available for borrowers with high-balance retirement, stock, 401(k) or savings accounts.
Homeowner's Access is one of our Portfolio Lending Suite of home financing solutions.
These loans are designed to assist borrowers who can prove their ability to repay a mortgage, but may not qualify for traditional mortgage financing.
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