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Your search begins by identifying the type of home loan which is the best fit for your finances and goals. I believe that there is an ideal loan for every customer, and I make it my mission to connect you with the loan which is going to best serve you now and over the years in which you inhabit your Los Angeles home.
That is why I offer diverse loan options which are suitable for different financial needs.
Many lovely homes in the LA metropolitan area can be purchased with conventional financing. A conventional loan fits within the limits which have been established by Fannie Mae and Freddie Mac.
Quite a few Los Angeles homes do require financing above the Fannie Mae and Freddie Mac limits. If you are shopping for such a home, a jumbo loan may be in order.
One of the most popular products for first time and repeat homebuyers is FHA financing, which is backed by the Federal Housing Administration. FHA loans only require a minimum down payment of 3.5%
Veterans, active duty military members and surviving spouses may apply for VA loans insured by the Department of Veterans Affairs. VA loans require zero down and no PMI.
A USDA loan insured by the US Department of Agriculture is another possibility for zero down financing if you are shopping for a home in a rural location. LA may be a huge city, but you might be surprised how many “rural” areas are located nearby.
Retire more comfortably by cashing in on the equity in your home through a reverse mortgage.
A hard money loan is a good option for anyone who cannot qualify for a prime loan or prefers to avoid a lengthy loan approval process.
These loans are available with a fast turnaround time and other great features which are perfect for fixing and flipping real estate.
For borrowers whose original mortgages are no longer providing them with the most suitable interest rates and features, refinancing can be a game changer.
By clicking on the links above, you can learn more about each of these different types of mortgages.
I know you probably still have a lot of questions. Even after reading up on the different types of loans, you may still not be sure what you should be applying for. I am here to answer all of your questions in as much detail as you need. Together, we can review your financial information and we can talk about what your goals are for your future here in Los Angeles.
If you are ready to make that future happen, please give me a call at (818) 601-2231. I look forward to working with you and helping you find the ideal loan.
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Shannon Christenot is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.