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Welcome to my Website!
How can I help you today? The market here in East County has changed. Most every home is either ON SALE or BANK OWNED. This opportunity means you can find the home you're looking for and get it at an exceptional price. When you decide to buy a home or refinance a mortgage, we've become good at the new market challenges. Market changes and Bank guidelines are changng every day. As "Your Loan Guy" it's my job to keep up with the new lending environment, so when you're ready to get started... call me first... there's a lot of things to talk about.
Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust me to know how to get the right loan for you. Investment Homes, VA, FHA, CalHfa, USDA Jumbo, Conventional... there's a lot to choose from. Getting the right mortgage loan is not something you do over the phone. If you're motivated to get the keys to your new house! It's my job to help you get there.
Refinancing your current mortgage requires more help today than ever. As values have changed in this market, it's important that you understand your loan options. As values decline, equity plays a greater role in refinancing. Short and long-term loans still exist, but which one is right for you? One loan? Two Loans? Mortgage Insurance? Lender Paid MI? Before you spend time, energy, and money on appraisals, call me to discuss your situation personally. It'll be well worth your time.
Is 100% Still Available? That Depends... Although Borrowers can still get in for little or no money down in certain scenarios, these type loans are limited to goverment loans. Mostly *FHA, USDA, and VA loans. Guidelines are changing daily and that's why working with a Qualified Mortgage Broker is more important than ever. Before you call on Lawn Signs or meet with a REALTOR, call me to help you understand the numbers. YourLoanGuy is always the first place to start. *FHA requires 3% down today for most every loan.
Paul Kelly, "The Loan Guy" Home One Mortgage, 8440 Brentwood Blvd, Suite C, Brentwood, Ca 94513 (925) 516-5791 or email me at PaulKelly@yourloanguy.com
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