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Your Loan Is Very Important


A good loan is going to pay you back for many years to come. Don't let your financing be second rate or a second thought.  It is integral to the process. Your financial future and your ability to get the home you really want depend on the lender you choose.

I recommend that you choose a lender who is HIGHLY experienced and will take the time to truly understand your financial goals and get you a loan product that works for you.  I have seen many a sad story of people who just took the first loan that came at them, or worked with a lender who did not fit the loan to their needs. Don't fall into the trap of just shopping the rate of the loan.  Terms and conditions of your loan are vital. 

I know many lenders and many are very nice people, however, I only recommend three.  My recommendations are highly skilled and experienced lenders who will take your best interest to heart when helping you get financed. They will watch out for you and they will make sure your loan closes properly and on time.

 

Carol Peterson 866-627-4701
Kai Tubberville 760-773-6922
Jon- Eric Lehman 760-835-5663


 

 


What Is HAFA?


This video explains in clear easy to understand terms what the HAFA program is all about. Please contact us if you have questins after viewing it.


First Time Buyers - Now is Your Time!


FIRST TIME HOME BUYER ALERT

FHA has a plan that allows you to buy for just 3.5% down payment.  With prices so low that is not very much.  Imagine owning your own home for as little as $3,500 down!  There have also been some increases in the percentage that the seller can pay toward your closing costs. Another program called the USDA  allows you to buy a home in a rural area with a down payment as low as 1.5%!  Click on this link to find out if a home you are interested in qualifies as a "rural area".  Buying your first home has never been this affordable.  Call us today for more details.

Tip: Did you know that if you have not owned a home for 3 years you are considered a first time home buyer under these programs?

May 1, 2010 there is a California Tax credit for first time home buyers of up to $10,000.  It pays to explore our options if you have not owned a home for the last three years.

So what are you waiting for?  Call us today to buy your first home with this historically low incentives!

We will match you with one of our excellent lender partners and get you the maximum credit you can get.


Online Reports


Here are some Free reports that will help you understand lending fundamentals.  Please feel free to contact us if a topic you are interested in is not listed here. We have lots of information that we can share with you.



BOA Simple Application

One page Application For Bank Of America Loan Approval

What is a FICO score

Understand What credit scoring is and why it is so important with this valuable document.

Understanding Reverse Mortgages

A Reverse Mortgage has many benefits however, it is not right for every circumstance. This important document will help you understand if a Reverse Mortgage is right for you.

FHA & VA Loans Explained

With the changes in the market the FHA & VA loans are making a comeback. This document will help you understand the programs.

First Time Buyer Tax Credit

Information on Tax credits available to first time homebuyers

Foreclosure Timeline

From the Moment You receive a Notice Of Default on your property there is a set timeline for lender action. Download that form here.


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