There are literally thousands of variables that can affect the outcome of your mortgage transaction. That's why you need a mortgage broker to act as a liaison between the title and escrow company, real estate agent, lender, appraiser, credit agency, the underwriters, the processors, attorneys, and any other services which may affect your transaction.
A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience. Randall has been a mortgage professional since 2002. A southern California native, Randall began his career in the mortgage industry with a direct to consumer lender in 2002.
Brian has specialized in originating residential loans for over half a decade. He lives in Natick, MA and a Massachusetts, California and Florida Loan originator's license. Designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration.
A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience. Randall has been a mortgage professional since 2002. A southern California native, Randall began his career in the mortgage industry with a direct to consumer lender in 2002.
Brian has specialized in originating residential loans for over half a decade. He lives in Natick, MA and a Massachusetts, California and Florida Loan originator's license. Designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration.
Services
We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.
We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms and costs-to meet your unique needs.
But that's just the beginning of our service.
Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.
We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms and costs-to meet your unique needs.
But that's just the beginning of our service.
Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.
Congratulations on your decision to buy a new home!
There are many important things to consider throughout the process, especially if you're a first-time homebuyer.
Our online application process is conveniently designed to allow you to stop any time and pick up where you left off.
After you submit an application, you can check loan status at your convenience.
If you are planning on remodeling your home - be it a kitchen, bathroom or backyard - you can contact one of our mortgage professionals who will help find the right loan for you.
There are many important things to consider throughout the process, especially if you're a first-time homebuyer.
Our online application process is conveniently designed to allow you to stop any time and pick up where you left off.
After you submit an application, you can check loan status at your convenience.
If you are planning on remodeling your home - be it a kitchen, bathroom or backyard - you can contact one of our mortgage professionals who will help find the right loan for you.
The FHA guarantees all FHA loans.
What that means is that if the borrower defaults on the loan, the FHA will pay the lender the remaining balance on the loan.
That guarantee makes FHA loans a low-risk option for lenders, which in turn means that lenders tend to be more flexible with their FHA loan lending requirements than they would be for their more conventional loans.
Because of those lower requirements, people who may otherwise not be able to qualify for a conventional loan can still get approved for home financing through an FHA loan.
What that means is that if the borrower defaults on the loan, the FHA will pay the lender the remaining balance on the loan.
That guarantee makes FHA loans a low-risk option for lenders, which in turn means that lenders tend to be more flexible with their FHA loan lending requirements than they would be for their more conventional loans.
Because of those lower requirements, people who may otherwise not be able to qualify for a conventional loan can still get approved for home financing through an FHA loan.
VA loans, like conventional loans, are offered through authorized lenders, such as your bank or financial institution.
Lenders typically have less stringent qualification requirements for VA loans since the loans themselves are guaranteed by the VA.
That means that if you default on your loan, the VA will step in and cover the lender for the rest of the loan.
Therefore, there is little risk to the lender when offering a VA home loan.
VA loans are available to former and current military personnel and to some of their surviving spouses.
Lenders typically have less stringent qualification requirements for VA loans since the loans themselves are guaranteed by the VA.
That means that if you default on your loan, the VA will step in and cover the lender for the rest of the loan.
Therefore, there is little risk to the lender when offering a VA home loan.
VA loans are available to former and current military personnel and to some of their surviving spouses.
What counts as a jumbo loan depends on which part of the country you live in.
While in most counties a jumbo loan is any mortgage over $510,400 for a one-unit property, this limit does increase for both high-cost areas and if there is more than one unit.
In Alaska, San Francisco, Los Angeles, New York City, Washington, D.C, and a handful of high-priced towns, like Aspen, Park City, and Jackson Hole, the threshold for a jumbo mortgage for a one-unit property is $765,600.
In other cities, such as Boston, Salt Lake City, Denver, and Seattle, the threshold for a one-unit property jumbo loan falls somewhere between $510,400 and $765,600.
While in most counties a jumbo loan is any mortgage over $510,400 for a one-unit property, this limit does increase for both high-cost areas and if there is more than one unit.
In Alaska, San Francisco, Los Angeles, New York City, Washington, D.C, and a handful of high-priced towns, like Aspen, Park City, and Jackson Hole, the threshold for a jumbo mortgage for a one-unit property is $765,600.
In other cities, such as Boston, Salt Lake City, Denver, and Seattle, the threshold for a one-unit property jumbo loan falls somewhere between $510,400 and $765,600.
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