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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 - Peterson Lending Team - 866-627-4701  

Kai Tubberville - Bankers Funding - 760-773-6922

Jon-Eric Lehman -Cal Metro Mortgage-760-835-5663 

 

If you would like to use a loan calculator click here.


Reverse Mortgage FAQs


So many sites that try to explain reverse mortgages have a vested interest in selling you something.  I like this site because you get direct answers with no sales pressure.  For anyone considering a reverse mortage this is a great place to start.

As always, if I can help don't hesitate to send me an email or call me.

 


First Time Buyers - Now is Your Time!


FIRST TIME HOME BUYER ALERT

The best programs so far in 2009 are all for you.  FHA has a plan that allows you to buy for just 3.5% downpayment.  With prices so low that is not very much.  Imagine owning your own home for as little as $3,500 down! Another program called the USDA  allows you to buy a home in a rural area with a downpayment as low as 1.5%!  Click on this link to find out if a home you are interested in qulifies as a "rural area".  Buying yur 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?

Tax Credit Becomes a gift after three years!  New for 2009 the tax credit of $8000 for first time home buyers becomes a gift to you if you stay in your home for three years! For more info on this program and State and County programs that might apply to you click here.

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


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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