We Have the Right Mortgage Loan For You!
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We Have the Right Mortgage Loan For You! |
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Your Credit and Your Options
About us
At CaliforniaHomeFinance.com, we specialize in all types of home refinance loans. We offer "financial solutions" that allow homeowners to achieve their financial objectives. For our borrowers with good to excellent credit, we are able to offer low rate, competitive fixed and adjustable rate programs with terms up to 30 years. We offer numerous alternatives to borrowers who may have been turned down by more conventional lenders. Our progressive approach to the mortgage industry, along with a large variety of mortgage products, allows us to customize loans for unique circumstances. We will work to assist borrowers even if there is less than perfect credit history, little or no income documentation, self employment, high debt ratios, late mortgage payment histories, defaults, liens, bankruptcies or foreclosures. We examine individual situations and develop specific programs for unique needs.
Good Credit
Borrowers with good to excellent credit may choose from a variety of first or second mortgage refinance loan programs. Second mortgage loans may be available with or without equity with loan amounts up to 125% of the current appraised value of the home. Rates will be some of the most competitive offered in the industry utilizing our pool of over 200 lender resources. Click Here for Loan Types
Imperfect Credit
Every year, people are turned down for mortgage loans by banks and other financial institutions. Although they may have had some minor credit problems, these potential borrowers are usually responsible, creditworthy people. We offer a number of loan programs available for people who have been turned down by less progressive lenders.
At CaliforniaHomeFinance.com, we realize that circumstances beyond your control can lead to a negative credit report. We understand that a new loan can be the way to help you improve your financial status, especially if you pay off some of your current bills.
We are willing to help you with your unique situation and borrowing needs. We have a variety of mortgage programs, one of which may be right for you! We offer both FHA and conventional refinance loans. You may refinance any current mortgage -rate/term at up to 97% with an FHA refinance loan. Cash out is available under the FHA program at 85% LTV. The benefits of an FHA refinance loan are the same as with an FHA purchase loan. If you have had past credit problems, the FHA guidelines are a bit more flexible than conventional loan programs. Whatever the case, we will work with our borrowers to help them try to find the financial solutions they need. Click Here for Loan Types
Self-Employed Borrowers
Borrowers that are either self-employed or who rely on income that may not be easily documented may opt for one of our flexible stated-income programs. Stated income programs require less paperwork and documentation that traditional conventional loan programs. We are still able to offer competitive rates and excellent terms to suit the requirements of our borrowers with the need or desire to have a "lite doc" or "no doc" program. Click Here for Loan Types
