LendingBetter.net is the home of Golden Empire Mortgage's Ontario branch, a group of highly motivated and dedicated professionals that proudly provides their valued clients with the absolute best in financial advice, products, and service. Our office has built a business model surrounding the concept of lending better in a market that is in need of better lenders.
We have a passion for helping families secure the American dream of home ownership and effective wealth management, and we take pride in putting people before profits and reputation before revenue. We incorporate the fine art of mortgage banking with a high level of integrity, experience, customer service, and results that are customized to individual needs.
Our goal is and always will be to bring value to our clients and enhance the benefits of home ownership. We help people all over California obtain the financing that best suits their needs to help them secure a place of their own or better finance the home or homes they already own.
We have a passion for helping families secure the American dream of home ownership and effective wealth management, and we take pride in putting people before profits and reputation before revenue. We incorporate the fine art of mortgage banking with a high level of integrity, experience, customer service, and results that are customized to individual needs.
Our goal is and always will be to bring value to our clients and enhance the benefits of home ownership. We help people all over California obtain the financing that best suits their needs to help them secure a place of their own or better finance the home or homes they already own.
Services
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area.
Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are.
Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are.
Whether its buying a home or selling the one you own Raul can help you accomplish your goals and does so with a high level of positivity, persistence, integrity and results.!
HOPE NOW is an alliance between HUD approved counseling agents, mortgage companies, investors and other mortgage market participants that provides FREE foreclosure prevention assistance.
Jennifer is a positive and highly motivated agent who is actively involved in helping buyers and sellers accomplish their goals as well as specializing in the fine art of investment opportunities thru Real Estate, as an active investor she has access to some amazing opportunities in her market place and can help you accomplish your goals.!
HOPE NOW is an alliance between HUD approved counseling agents, mortgage companies, investors and other mortgage market participants that provides FREE foreclosure prevention assistance.
Jennifer is a positive and highly motivated agent who is actively involved in helping buyers and sellers accomplish their goals as well as specializing in the fine art of investment opportunities thru Real Estate, as an active investor she has access to some amazing opportunities in her market place and can help you accomplish your goals.!
Conventional loans are loans secured by Real Estate that are offered and serviced by non-government sponsored lenders.
They are more commonly used by homeowners and buyers with higher reserve amounts and credit scores, and larger down payments.
Conventional loan products commonly have pricing incentives tied to the amount of money used as a down payment.
Conventional loans at 80% Loan to Value or less DO NOT have a monthly MIP (Mortgage Insurance Premium).
Any traditional conventional loan programs at 80.01% or higher have monthly MI premiums that vary based on overall loan to value and borrowers credit profile.
They are more commonly used by homeowners and buyers with higher reserve amounts and credit scores, and larger down payments.
Conventional loan products commonly have pricing incentives tied to the amount of money used as a down payment.
Conventional loans at 80% Loan to Value or less DO NOT have a monthly MIP (Mortgage Insurance Premium).
Any traditional conventional loan programs at 80.01% or higher have monthly MI premiums that vary based on overall loan to value and borrowers credit profile.
The Federal Housing Administration (FHA), a wholly owned government corporation, was established under the National Housing Act of 1934 to improve housing standards and conditions; to provide an adequate home financing system through insurance of mortgages; and to stabilize the mortgage market.
FHA was consolidated into the newly established Department of Housing and Urban Development (HUD) in 1965.
Since 1934, FHA has been extremely successful in helping aspiring homeowners achieve their goals with less resistance like conventional loan programs commonly offer.
FHA was consolidated into the newly established Department of Housing and Urban Development (HUD) in 1965.
Since 1934, FHA has been extremely successful in helping aspiring homeowners achieve their goals with less resistance like conventional loan programs commonly offer.
With a fixed rate mortgage, the interest rate does not change for the term of the loan, so the monthly payment is always the same.
Typically, the shorter the loan period, the more attractive the interest rate will be.
Payments on fixed-rate fully amortizing loans are calculated so that the loan is paid in full at the end of the term.
In the early amortization period of the mortgage, a large percentage of the monthly payment pays the interest on the loan.
As the mortgage is paid down, more of the monthly payment is applied toward the principal.
Typically, the shorter the loan period, the more attractive the interest rate will be.
Payments on fixed-rate fully amortizing loans are calculated so that the loan is paid in full at the end of the term.
In the early amortization period of the mortgage, a large percentage of the monthly payment pays the interest on the loan.
As the mortgage is paid down, more of the monthly payment is applied toward the principal.
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