I started in the Real Estate industry as a kid. My parents were always buying, fixing up and renting homes. In the process, I learned a wealth of information about Real Estate. My mother went on to become a Real Estate broker 20 something years ago so I grew up with her influence. I decided to enter the Real Estate industry when I moved to California in 2007, received my license and started selling homes in 2009.
After being awarded the President's Club Honor in 2012 by J. Rockcliff Realtors, I decided it was time to work on the other side of the business doing home loans. My analytical brain enjoys crunching numbers and my social side loves helping my clients. Throughout my career, I have always had a dynamic approach to marketing and a high level of customer service.
I firmly believe it is crucial to keep my clients up-to-date as much as possible throughout the entire loan process. I am well-versed in different financing programs and offer a unique combination of knowledge and experience with first-time home buyers, move-up buyers and investors alike.
After being awarded the President's Club Honor in 2012 by J. Rockcliff Realtors, I decided it was time to work on the other side of the business doing home loans. My analytical brain enjoys crunching numbers and my social side loves helping my clients. Throughout my career, I have always had a dynamic approach to marketing and a high level of customer service.
I firmly believe it is crucial to keep my clients up-to-date as much as possible throughout the entire loan process. I am well-versed in different financing programs and offer a unique combination of knowledge and experience with first-time home buyers, move-up buyers and investors alike.
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Since there are so many components to the mortgage process, we have taken special care to organize the most important qualifying steps, lending frequently asked questions, home buying and mortgage processes below.
We realize that that the information contained in this site could literally take you weeks to research and digest, so please feel free to call us at any time for a personal consultation with an experienced Walnut Creek Mortgage Lender where we can address your specific needs and questions.
We realize that that the information contained in this site could literally take you weeks to research and digest, so please feel free to call us at any time for a personal consultation with an experienced Walnut Creek Mortgage Lender where we can address your specific needs and questions.
Simply put, a mortgage is a loan secured by real property and paid in installments over a set period of time.
Qualifying for a mortgage requires meeting a pre-determined set of guidelines established by a lender, which may include credit history, income, employment and assets.
In addition to personal qualifying factors, a property must also meet certain standards set by lenders before a borrower can obtain a mortgage loan secured by real estate.
The first part of the mortgage payment, which is commonly referred to as principal, goes to paying down the initial amount borrowed.
Qualifying for a mortgage requires meeting a pre-determined set of guidelines established by a lender, which may include credit history, income, employment and assets.
In addition to personal qualifying factors, a property must also meet certain standards set by lenders before a borrower can obtain a mortgage loan secured by real estate.
The first part of the mortgage payment, which is commonly referred to as principal, goes to paying down the initial amount borrowed.
Lenders look at a borrower's credit score, number of open accounts, payment history, type of credit borrowed and a series of other factors when determining what level of risk to assess to each lending scenario.
Down payment requirements, loan programs, flexibility on income and even interest rates can be impacted by a slight bump in a credit score.
Once credit has been established and maintained, credit scores are based on five factors to varying degrees: payment history (35%), total amounts owed (30%), length of time (15%), type of credit (10%) and new credit (10%).
Down payment requirements, loan programs, flexibility on income and even interest rates can be impacted by a slight bump in a credit score.
Once credit has been established and maintained, credit scores are based on five factors to varying degrees: payment history (35%), total amounts owed (30%), length of time (15%), type of credit (10%) and new credit (10%).
Interest rates are impacted by a borrower's credit score, loan term, mortgage program and a series of market factors that are outside of our control.
Unfortunately, many advertisers will tease a low interest rate in a marketing campaign for the purpose of creating interest in a specific loan program which may only fit a unique type of qualified borrower.
However, by promoting a lower note rate, with a higher APR, lenders are able to control the flow of the inbound phone call or Internet lead.
Understanding how interest rates work will certainly help relieve a lot of unnecessary anxiety about the home financing process.
Unfortunately, many advertisers will tease a low interest rate in a marketing campaign for the purpose of creating interest in a specific loan program which may only fit a unique type of qualified borrower.
However, by promoting a lower note rate, with a higher APR, lenders are able to control the flow of the inbound phone call or Internet lead.
Understanding how interest rates work will certainly help relieve a lot of unnecessary anxiety about the home financing process.
It's obviously important to know how much home you can afford, what type of down payment to budget for, monthly mortgage payment as well as what type of loan program you'll be using to finance the new property.
Certain mortgage loans have residence type, HOA, appraisal or insurance restrictions that your agent needs to be aware of prior to showing you listings.
A personalized strategy session with a trusted mortgage professional should address all of your initial loan approval questions, as well as uncover any potential challenges that can complicate the entire transaction.
Certain mortgage loans have residence type, HOA, appraisal or insurance restrictions that your agent needs to be aware of prior to showing you listings.
A personalized strategy session with a trusted mortgage professional should address all of your initial loan approval questions, as well as uncover any potential challenges that can complicate the entire transaction.
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