Inspired by our hometown roots in Livermore, CA, we are committed to providing our borrowers with a personalized mortgage experience. From pre-qualification to the closing table, our loan officers are dedicated to ensuring you’re comfortable and confident with your financial decision. We offer various loan products tailored directly to your needs, with in-house processing and underwriting that allow us to achieve your home goals quickly and hassle-free.
We are licensed and approved to lend in 48 states and the District of Columbia (excluding NY and WY). Whether you are looking to refinance or purchase in CA or purchase a vacation home across the country, our team is backed by the resources of Paramount Residential Mortgage Group Inc. (PRMG) and is here to serve you in all your mortgage needs, no matter where you are in your home-buying, refinancing process.
Mortgages can be complicated. Whether you’re purchasing or refinancing, sorting through all your options and understanding which is best for you and your family can be unclear.
Whether you’re just starting your first purchase or refinancing your second home, the path to success has a plan. You have the opportunity today to get a free plan catered to your unique situation to bring you the mortgage loan that will change your life! Our loans are powered by Paramount Residential Mortgage Group Inc. (PRMG).
The Pros of Buying a Home
Buying a house will likely be the most significant investment you’ll make in your lifetime. We can’t explain why people enjoy nesting, but we can explain the advantages of owning your home.
Here are some of the main pros of buying a house:
Investing And Building Equity
Instead of paying your monthly rent to a landlord, you can start buying into your home equity, making your house a long-term piggy bank. As you build equity, your home value increases. You can also cash out and refinance a portion of your home equity if you need extra cash.
The best-case scenario may be paying off your fixed-rate loan within 30 years as planned and enjoying your retirement with much lower monthly expenses. Buying is much more attractive than paying landlords to rent money until the bitter end.
Improving Credit
As you maintain regular mortgage payments, your credit score will increase. Of course, your credit score will dip downward once you take out the loan. That’s because, on paper, you have a sizable debt you’ve yet to prove you can repay.
As you make regular on-time payments, that debt will look more and more like responsible debt, which can help raise your credit score.
Greater Privacy And Control Over Your Living Space
Unlike renting or even owning condos or townhomes, buying a house lets you have total control over your home. The only rules you need to follow codified laws and those set forth by your lender or HOA, if there is one.
Getting a Home Loan Should Be Easy
Exploring how much mortgage you may qualify to borrow is a great place to start your home-buying journey. Our Online mortgage pre-approval form is fast, free, and won’t affect your credit report.
3 REASONS TO GET PRE-APPROVED TODAY!
1. Know how much you can afford.
2. There are no commitments when getting pre-approved for a mortgage.
3. The process is fast and easy. It only takes 5 minutes.
Become a Homeowner!
Here are three things you need to get a home loan.
1. GET PRE-QUALIFIED AND PRE-APPROVED: Getting pre-approved is an intelligent step to take when you are ready to put in an offer on a home.
2. SAVE FOR YOUR DOWN PAYMENT: Your down payment can be as low as 3%. Zero Down and Down Payment Assistance options are available.
3. PROVIDE PROOF OF INCOME: Verify your income by providing your lender with recent W2s, Pay Stubs, or Tax Returns.
4. CREDIT: If you have a low credit score, no problem! We have options to assist with low credit scores.