Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.
I am a knowledgeable and accomplished mortgage loan officer with years of experience in the industry. My passion for helping people achieve their dreams of homeownership has driven me to become an expert in providing tailored loan solutions to meet the unique needs of my clients. As a dedicated professional, I take pride in delivering exceptional customer service and ensuring a smooth and stress-free lending process for each and every client I serve.
Los Angeles is a vibrant and diverse city, and I am well-equipped to assist individuals and families in this bustling metropolis with their mortgage needs. Whether its a conventional loan, a commercial loan, or a refinance program such as FHA Cash Out or VA Cash Out, I have the expertise to guide my clients through the entire process with clarity and confidence.
In addition to serving Los Angeles, I am also well-versed in providing specialized loan products such as construction loans and Condotel loans. These special loans cater to specific needs and circumstances, and I am dedicated to ensuring that my clients understand all their options and make informed decisions that align with their financial goals.
When it comes to mortgage solutions, the city of Los Angeles can be complex, but my in-depth knowledge of the local market and the intricacies of the lending landscape allows me to offer personalized guidance and support to my clients. I am committed to going above and beyond to help individuals and families in Los Angeles navigate the mortgage process with confidence and ease.
As a seasoned mortgage loan officer, I am dedicated to providing the highest level of service to my clients in Los Angeles and beyond. Whether its helping clients secure a conventional loan, exploring refinance programs like FHA Cash Out or VA Cash Out, or guiding them through the process of obtaining special loans such as construction loans and Condotel loans, I am committed to being a trusted partner every step of the way.
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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
