My name is Louis Cruz and I want to thank you for taking the time to visit my website. I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current California home loan. I am a California mortgage consultant, serving all of California, and the surrounding communities. Purchasing a home is most likely the largest financial transaction of your life.
Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan. Although sharing these secrets may not make me popular with the other California mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a mortgage.
So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the mortgage loan process. To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.
Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan. Although sharing these secrets may not make me popular with the other California mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a mortgage.
So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the mortgage loan process. To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.
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We know that you are not always able to find an answer to every question on our website.
That's why we encourage you to ask us a question.
One of the knowledgeable members of our team will respond shortly with an answer to any question you may have.
If you would like to speak with someone to ask your question, you can also reach us at our Murrieta, California Mortgage Office at 888-373-6684.
That's why we encourage you to ask us a question.
One of the knowledgeable members of our team will respond shortly with an answer to any question you may have.
If you would like to speak with someone to ask your question, you can also reach us at our Murrieta, California Mortgage Office at 888-373-6684.
A Reverse Mortgage can offer you so many wonderful benefits, but it's vital that you understand exactly how it works.
You must understand the pros and cons to be sure this loan is right for you and matches your current needs.
You'll find the education you need right here so you can make an informed decision.
However, if you have any other questions or any concerns at all, please contact us and we will make sure you completely understand everything you need to know.
We are here to help you.
Please don't hesitate to call us at 866-445-9224 or email us.
You must understand the pros and cons to be sure this loan is right for you and matches your current needs.
You'll find the education you need right here so you can make an informed decision.
However, if you have any other questions or any concerns at all, please contact us and we will make sure you completely understand everything you need to know.
We are here to help you.
Please don't hesitate to call us at 866-445-9224 or email us.
Part of the mortgage process includes verifying income.
You must be able to show that you can afford the home loan payments, regardless of the type of home loan program.
If you do not have a job or any other way to financially support a mortgage, consider holding off applying for a home loan until you can verify employment and income.
If you can prove steady, reliable income - go ahead and apply to pre-qualify for a loan!
Take six months to a year and focus on repairing your credit - no late payments, pay down debt, no new credit accounts, etc.
You must be able to show that you can afford the home loan payments, regardless of the type of home loan program.
If you do not have a job or any other way to financially support a mortgage, consider holding off applying for a home loan until you can verify employment and income.
If you can prove steady, reliable income - go ahead and apply to pre-qualify for a loan!
Take six months to a year and focus on repairing your credit - no late payments, pay down debt, no new credit accounts, etc.
First time homebuyer?
You've come to the right place!
Looking at real estate fliers and touring homes is easy.
Applying for a home loan and figuring out how to pay for a house - well, that can get complicated.
Let us guide you through understanding a home loan.
Buying a house is one of the largest investments most people make.
Home loan programs are available to those who need to borrow the money and buy a house (which is almost everyone.)
The money borrowed and the payment due each month is called a mortgage.
You've come to the right place!
Looking at real estate fliers and touring homes is easy.
Applying for a home loan and figuring out how to pay for a house - well, that can get complicated.
Let us guide you through understanding a home loan.
Buying a house is one of the largest investments most people make.
Home loan programs are available to those who need to borrow the money and buy a house (which is almost everyone.)
The money borrowed and the payment due each month is called a mortgage.
Your mortgage payment cannot be more than 31% of your monthly gross income and your monthly debts (house, car, student loans, etc.) cannot exceed 45% of your monthly gross income.
If you think about it - the banks are taking a big risk to loan you enough money to buy a house.
They receive thousands of applications each week from hopeful homeowners and investors requesting to borrow funds.
To determine who is likely to repay the loans, the banks must set eligibility requirements.
Unlike the FHA, VA loans and USDA loans that are backed by the government, there is more risk to the private lenders when they issue a conventional loan.
If you think about it - the banks are taking a big risk to loan you enough money to buy a house.
They receive thousands of applications each week from hopeful homeowners and investors requesting to borrow funds.
To determine who is likely to repay the loans, the banks must set eligibility requirements.
Unlike the FHA, VA loans and USDA loans that are backed by the government, there is more risk to the private lenders when they issue a conventional loan.
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