America's Home Loans Inc., a mortgage brokerage, located in the beautiful and very popular Bixby Knolls neighborhood of Long Beach, provides a wide range of mortgage products including Fixed and Adjustable Rate Mortgages, FHA and VA home loans, Jumbo loans, refinancing options including HARP, Reverse and renovation mortgages. It is our goal to make sure that you qualify for the very best mortgage that satisfies your needs.
As new programs are introduced periodically into the market, we jump on the opportunity to become well-versed on the industry-wide changes and ensure that we offer these advantages to our clients and the community. Many lenders offer their clients a certain range of services. And like some Swiss Army knives, perhaps they do not have all the tools necessary to satisfy every client's needs.
What happens if their range or knowledge is limited? At America's Home Loans, we understand what works for one client does not always work for everyone; especially when your financial scenario does not align with the strict underwriting guidelines that many conforming lenders demand.
As new programs are introduced periodically into the market, we jump on the opportunity to become well-versed on the industry-wide changes and ensure that we offer these advantages to our clients and the community. Many lenders offer their clients a certain range of services. And like some Swiss Army knives, perhaps they do not have all the tools necessary to satisfy every client's needs.
What happens if their range or knowledge is limited? At America's Home Loans, we understand what works for one client does not always work for everyone; especially when your financial scenario does not align with the strict underwriting guidelines that many conforming lenders demand.
Services
At America\'s Home Loans, Inc., we treat each customer as an individual, not a number.
We don't place you into a loan profile formula created by the banking industry.
We use "common sense" and will help you obtain the best loan possible.
We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We work with more than 100 investors.
This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial.
We don't place you into a loan profile formula created by the banking industry.
We use "common sense" and will help you obtain the best loan possible.
We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We work with more than 100 investors.
This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial.
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime.
If you're considering buying a home, you're likely aware of the complexity of the endeavor.
Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
At America\'s Home Loans, Inc., we are dedicated to finding the loan that fits your individual needs.
If you're considering buying a home, you're likely aware of the complexity of the endeavor.
Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
At America\'s Home Loans, Inc., we are dedicated to finding the loan that fits your individual needs.
To apply for a loan, you will have to provide the lender with detailed documentation of your financial history.
The lender will request a credit report from a credit agency and will verify the information provided in your loan application.
Evidence of any other assets such as bonds, stocks, or money saved in retirement programs i.e.
401k or 403b program.
W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment.
Homeowner's association information with contact information if property is a condo or part of a homeowner's association.
The lender will request a credit report from a credit agency and will verify the information provided in your loan application.
Evidence of any other assets such as bonds, stocks, or money saved in retirement programs i.e.
401k or 403b program.
W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment.
Homeowner's association information with contact information if property is a condo or part of a homeowner's association.
Refinancing is often used to lower your interest rate.
If rates have dropped since you last financed your home, you may want to consider refinancing.
Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan or to extract cash equity in your home (cash out).
A few reasons for cashing out include: home improvement, an education fund, and consolidating debt.
Another way to convert equity in your home to cash is a "home equity" loan.
If rates have dropped since you last financed your home, you may want to consider refinancing.
Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan or to extract cash equity in your home (cash out).
A few reasons for cashing out include: home improvement, an education fund, and consolidating debt.
Another way to convert equity in your home to cash is a "home equity" loan.
Cashing out refers to the refinancing of a loan where the borrowers will borrow money on their own home.
If a home is appraised at $100,000 and the borrower's outstanding mortgage loan is $60,000, it is possible to enter into an 80% cash-out refinance transaction for a loan of $80,000 (80% of $100,000).
The new mortgage of $80,000 will pay off the $60,000 loan and leave $20,000 cash-out to the borrowers.
By cashing out on your home, you can obtain cash on the value of your own home to pay off debts or upcoming expenses.
If a home is appraised at $100,000 and the borrower's outstanding mortgage loan is $60,000, it is possible to enter into an 80% cash-out refinance transaction for a loan of $80,000 (80% of $100,000).
The new mortgage of $80,000 will pay off the $60,000 loan and leave $20,000 cash-out to the borrowers.
By cashing out on your home, you can obtain cash on the value of your own home to pay off debts or upcoming expenses.
Reviews
Be the first to review America's Home Loans.
Write a Review
