Discover customized mortgage solutions that align with your financial goals. From first-time buyers to seasoned homeowners, we’re here to guide you every step of the way toward successful homeownership.
To qualify for a mortgage, lenders typically require that you have a debt-to-income
ratio of “43/49.” This means that no more than 43% of your total monthly income
(from all sources, before taxes) can go toward your new mortgage payment, and
no more than 49.99% of your monthly income can go toward your total monthly
debt (including your mortgage payment). VA and FHA loans even allow for higher
debt ratios on a case by case basis.
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
Here’s how our home purchase loan process works:
Set Your Budget: Estimate how much you can afford using mortgage calculators.
Check Your Credit: Ensure your credit score is strong to get better loan terms.
Get Pre-Approved: Secure a pre-approval letter from a lender to strengthen your offer.
Find a Home: Work with a realtor to find and make an offer on a home.
Submit Loan Application: Provide financial documents to formally apply for the loan.
Loan Processing: The lender verifies your info and appraises the home.
The key to our success has been a combination of consistently offering the lowest possible and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity.
2370 Crenshaw Blvd Suite M Torrance, CA 90501
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