Looking for a full service mortgage-banking partner? You've found the help you need. F&B Financial Group was created in response to increased customer demand for a knowledgeable and trusted mortgage firm. Whether you are a home buyer looking to purchase a first or second home or a financial advisor seeking to partner with a mortgage banker, our professionals are skilled in providing products and services tailored to your specific needs and desires.
F&B Financial Group is also proud to serve as the preferred lender for several of the areas most successful real estate agencies and financial services firms. Our referral based business has successfully grown and expanded thanks in large part to our reputation and commitment to our clients and industry partners. We offer a variety of online loan application options.
Get started today! Serving our Valued Clients with the best professional mortgage guidance is our speciality. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
F&B Financial Group is also proud to serve as the preferred lender for several of the areas most successful real estate agencies and financial services firms. Our referral based business has successfully grown and expanded thanks in large part to our reputation and commitment to our clients and industry partners. We offer a variety of online loan application options.
Get started today! Serving our Valued Clients with the best professional mortgage guidance is our speciality. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
Services
What does it mean to be uncommon?
It's a fundamental question that serves as the foundation of our culture.
Too often in life and in business we become complacent and settle for average.
We at F&B Financial Group strive for much more than average, and we accomplish that by instilling a specific behavior in every member of our team.
Our ethos is to achieve greatness with respect to customer service.
We value each and every client interaction as a chance to be uncommon in the manner that we respond, the timeliness of the response, and in finding solutions.
It's a fundamental question that serves as the foundation of our culture.
Too often in life and in business we become complacent and settle for average.
We at F&B Financial Group strive for much more than average, and we accomplish that by instilling a specific behavior in every member of our team.
Our ethos is to achieve greatness with respect to customer service.
We value each and every client interaction as a chance to be uncommon in the manner that we respond, the timeliness of the response, and in finding solutions.
F&B Financial Group employs seasoned mortgage/financial professionals whose primary objective is to provide consultative mortgage services to our valued clients.
Our goal as an organization is to obtain life long clients and to build and maintain a trusted relationship so that each and every one of our clients has a trusted mortgage source at their disposal for the remainder of their lives.
Each individual listed below adheres to the primary objective of F&B Financial Group and we are proud to employ each of them.
Our goal as an organization is to obtain life long clients and to build and maintain a trusted relationship so that each and every one of our clients has a trusted mortgage source at their disposal for the remainder of their lives.
Each individual listed below adheres to the primary objective of F&B Financial Group and we are proud to employ each of them.
The entire refinance process my wife and I experienced with F&B Financial was a fantastic experience and very successful.
The work from F&B on our behalf was both extremely professional and personable and I cannot express in words my gratitude.
I had no doubts beginning the process based on a close friend's recommendation; but I was blown away by Chris Fox, his staff(specifically Jennifer Mack, Mike McKillips, and Cindy Cooper) and the professionalism, not to mention the personal involvement as well.
The work from F&B on our behalf was both extremely professional and personable and I cannot express in words my gratitude.
I had no doubts beginning the process based on a close friend's recommendation; but I was blown away by Chris Fox, his staff(specifically Jennifer Mack, Mike McKillips, and Cindy Cooper) and the professionalism, not to mention the personal involvement as well.
This is a loan which carries a second mortgage for up to 15% of the purchase price of the property.
It is usually used when wishing to avoid PMI insurance or to keep your first mortgage under the FNMA/FHLMC limit to avoid Jumbo rates.
The borrower puts down a 5% down payment and then finances a first mortgage up to the FNMA/FHLMC limit and a second mortgage of up to 15% of the purchase price.
Other variations are 80/10/10 or 75/15/5.
It is usually used when wishing to avoid PMI insurance or to keep your first mortgage under the FNMA/FHLMC limit to avoid Jumbo rates.
The borrower puts down a 5% down payment and then finances a first mortgage up to the FNMA/FHLMC limit and a second mortgage of up to 15% of the purchase price.
Other variations are 80/10/10 or 75/15/5.
We offer a cutting edge construction financing program for those customers who need financing throughout the construction phase.
Plus, we offer the added advantage to our builder customers of offering a seamless and efficient process.
Below are general highlights of our construction to permanent financing for new home construction.
This program is for "ground up" construction only.
Refer to our Renovation Loan programs for information in regards to financing home improvement.
Plus, we offer the added advantage to our builder customers of offering a seamless and efficient process.
Below are general highlights of our construction to permanent financing for new home construction.
This program is for "ground up" construction only.
Refer to our Renovation Loan programs for information in regards to financing home improvement.
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