Current California Mortgage Rates
Quick Mortgage Definitions / Terms / Facts
Is my personal information safe?
Absolutely. Your privacy and security is of the utmost importance to us. After logging into this system, your information
is encrypted so your personal information cannot be accessed or viewed by anyone without the proper privileges. We
maintain the highest level of security and data encryption available throughout your loan process.
What is a Jumbo loan?
A Jumbo loan is any loan amount that is higher than the conforming loan limits set by Fannie Mae and Freddie
Mac--typically a $333,701 loan amount or higher for a single family residence.
What is an Interest Rate Lock?
A lock is an obligation by us that your loan application will be locked in for a certain period of time to the interest
rate and corresponding points at the time you choose to lock in your loan. A lock does not represent in any way an
approval of your loan application.
How do I know what loan program is best for me?
Choosing your loan program can be difficult. After selecting your loan preferences during the application process,
your Loan Officer will be happy to provide you a personal consultation to select the loan best suited to your needs.
Steps to Getting a California Mortgage?
Get a Free Credit Report!
The first step to getting a California mortgage is to know your credit score.
Understanding your credit report is a critical part to getting your mortgage.
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Mortgage Qualification Guidlines
The significance of having a clean or the slightest a perfect record cannot be over overemphasized when it comes to getting a mortgage loan. However, if you have had some small imperfections in your record, lenders provide considerations such as specified above. Knowing these, you can pretty much estimate if you would be able to qualify for a mortgage loan or not.
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Mortgage Qualification Guidlines
1.For income from a second job to be considered as part of your qualifying income, you have to have a long history of at least two years receiving that second income as part of your toal earnings.
2. If you have been receiving income through child support, you should have been receiving income consistently. You would be required to submit a history of the payments made for the child support. Usually, if your child support status has just been awarded recently, it might not be considered as a qualifying source of income.
3. It is not advisable to apply for a mortgage loan while being involved in a lawsuit or any legal matter. You should prospone your application until that legal matter is settled and resolved before you could apply for a mortgage loan.
