Inflation, Inflation, Inflation...what will this do to our Home Loan Rates and Why?
Shopping for a mortgage? We'll be glad to talk about our many mortgage solutions with you. Give us a call today at 800-790-3317 ext. 2321 Ready to get started? Apply Now.
Obtaining a loan in today’s real estate climate is harder then ever. You need a true expert to navigate through all the pitfalls and road blocks that come your way. Now, more than ever, you have to qualify in all of the three C’s; Credit, Capacity and Collateral.
Credit: Now more than ever your credit score plays a huge part in not only if you will qualify for a loan but how expensive the cost of the loan will be to you in both rate and costs.
Capacity: …or your ability to repay the loan; Gone are the days where you could qualify for a mortgage based on good credit alone; where being unable to prove your income was not an issue. Now strict guidelines on income documentation and third party verification are required on every transaction.
Collateral: Not only does the property have to have sufficient “Equity” to qualify for financing but other properties, and other home owners, can affect the ability for you to finance a home especially if it is a Condo or Planned Unit Development (PUD)
Steven has been in mortgage business for nearly 3 decades. He specializes in first time home buyers in and around the cities of Lake Forest, Foothill Ranch, Mission Viejo, Irvine and Laguna Hills. He has been helped literally thousands of home owners achieve their dream of “affordable” home ownership.
If you are ready to buy now, or just want to get prepared to buy in the near or distant future, you need to speak with a qualified expert on FHA, VA and Conventional Loans. The Steven Whittaker Team can help you navigate the rough waters and land you safely in the home, and loan, of your dreams.
The process is not hard, but it is “very” complicated. You need a loan professional that has been through all types of mortgage climates and has the expertise to not only find you a loan but determine the “right” loan for your unique situation.
For assistance in selecting the perfect program for you, you can call 800-790-3317 ext. 2321
Refinancing options
Let us show you a headache-free process from application to closing with our "Less paperwork and more personal attention" guarantee. If you are interested in improving your interest rate and monthly payment, we can simplify the process for you and eliminate your anxiety. If you'd like to pay down your balance more quickly for a similar monthly payment, we can help. Let our team members help you find the ideal refinance loan! We look forward to chatting with you: 800-790-3317.
Get the service you deserve
We give you the personal attention you deserve and treat you with the respect due a MVC "Most Valuable Client" We understand the big commitment you are making in buying a home, refinancing, or cashing out your home equity. So here is our promise to you: we can help you qualify, apply and be approved for the right mortgage for you.
The next step
You'll find information on this website that will tell you who we are, all that we do for you, and how simple it is to begin. Or, you can call one of our mortgage team members at 800-790-3317 ext.2321. We would love to help you any way we can.
