Rate Lock Periods
Getting a Low-Interest Rate Are you looking for a new mortgage loan? We can help! Call us at (949) 837-1559 What is a Rate Lock? A rate “lock” or “commitment” is a promise from the lender to lock in a specific interest rate and a specific number of points for […]
When is Refinancing Worth it?
Shopping for a mortgage loan? We’ll be glad to discuss our many mortgage solutions! Give us a call today at (949) 837-1559 Ever hear the old rule of thumb that says you should only refinance if your new interest rate will be at least 2 points lower than your current […]
Taking out a second mortgage on your home used to carry some stigma with it – a sign that you were in financial trouble. But today, the ability to borrow money against your property is considered one of the biggest advantages of owning a home. A second mortgage is essentially […]
Government Loan Programs
FHA loans An FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or […]
VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required […]
Searching for a mortgage loan? We’ll be glad to discuss your mortgage needs! Give us a call today at (949) 837-1559 With a reverse mortgage loan (sometimes called a home equity conversion loan), homeowners of a certain age may use home equity for anything they need without having to sell […]
We’ll guide you through the process and make it worry-free to improve your interest rate and monthly payment. We can even help you pay down your balance more quickly for a comparable monthly payment.