We use our unique relationship with multiple lenders and banks to find a mortgage to fit your specific needs. We also accompany you through the entire lending process.
Whether you are looking for:
First time homebuyer programs
Less than perfect credit
Investment property loans
We have customized programs to fit your borrowing needs.
Contact Us for a consultation or information about our programs.
The Loan Process:
A Walk Through The Loan Process….
Our mortgage loan brokers do all of the difficult work for you — shopping around, researching the best option for you, making sure you get approved for your California or out of state home loan. This allows you to focus on the critical tasks that only you can handle – preparing for your new purchase or concentrating on your job or work, saving money, or planning for the cash you’ll receive after refinancing.
There are four key pieces to the mortgage puzzle. We have developed a system to make your hand in those pieces absolutely as easy as humanly possible. Essentially we do all the work that’s ordinarily done by clients.
Step One: Find Out How Much Can Be Borrowed
This is depends on several factors. What monthly payment is affordable? Your credit rating, employment, debt, income, how long you intend to own the property, and the value of the underlying property. The first questions can be answered, in part, by using a mortgage calculator. These are found in abundance all over the internet. When you give us a call, we will walk you through a mortgage calculation and ask a few easy questions. Based on your expectations and needs we’ll give you a few loan programs and options that are most beneficial to you based on the most current mortgage rates.
Step Two: We pre-qualify/pre-approve you
This will give you a huge head start in the home buying process. You give us details about your employment, assets you own (such as checking account, retirement fund, etc.), where you’ve lived, etc. We can run your credit and determine the best documentation type for your situation. When we review all the info we give you a Pre-Qualification Letter, or Pre-Approval Letter depending on the circumstances. Take care of that letter! To someone selling a property, it’s very valuable to know you have it! Your real estate agent will use your Pre-Qualification to make the best offer on the home you choose, and the seller knows you’re pre-qualified. It gives you buying clout! And while you’re picking out the home that’s right for you, we’re busy finding the loan that’s right for you.
Step Three: Apply Now! We make it easy
Once you’ve made an offer and it’s been accepted, it’s time to complete the loan application. It couldn’t be easier. When the time is right, we’ll order an appraisal of your new home or current home (in the case of a refinance).
Step Four: Your loan is funded
Escrow and title company handle the funding of your mortgage loan or refinance. We’ll coordinate with the escrow company to make sure all the papers your lender will need are in order, and you’ll sign everything at the escrow/title company’s office.
Contact Us with questions and to start the pre-approval process.
A list of the documents that needed for and the mortgage process and the steps to mortgage approval can found here: Steps to Mortgage Approval
All of our loan programs include different price options to fit every borrower’s or investor’s situation.
Ask about our No Closing Cost loan options.
- Up to 95% LTV fixed and Adjustable rate Mortgages
- Up to 95% LTV Interest only options
- Up to 96.5% LTV on FHA Mortgages
First Time Homebuyers
- Up to 96.5% LTV loans (Fixed and Adjustable rate Mortgages)
- Custom loan programs in your City and County (You could qualify for free money)
- Up to 110% LTV loans for rehab on select HomePath Properties
Less than perfect Credit?
We can work with borrowers who have lower credit scores, mortgage lates, and other credit discrepancies.
- Fixed and Adjustable rate Mortgages
Are you looking for a loan on investment property? We can help with the purchase and refinance of 1-4 unit residential property and commercial property
- 90-95% LTV Fixed and Adjustable rate Mortgages
- Interest only options
Do you want to start investing in Real Estate, but do not know here to begin?
Ask about our custom Investment solutions where we accompany you through the entire process:
- Selection of a property
- Property Management
See the Featured Properties page for examples of investment properties and analysis.