Home Loan Resources - Buyers

​Connecting you with the right lender

Finding the right home loan is usually about finding the right lender – that is, connecting you with the lender that will best meet your individual needs and qualifications.
 
There is a myriad of choices, and many Realtors will point you to just a few of those choices. With our experience in mortgage lending and our long history of working in Contra Costa County, we know the lenders and the mortgage brokers with successful track records and competitive financing programs.
Our preferred lenders have several years of experience and their ability to work through issues to deliver the best loan for your needs results in quick, easy, hassle-free financing.

By recommending an expert mortgage lender, the process of choosing the right mortgage becomes much easier.

How to Hire the Right Lender.
Most home buyers will need to seek out home loan financing through a bank or mortgage broker.  
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But not all loans and lenders are equal, and the process, as well as the vocabulary, can be very intimidating and confusing. We provide valuable insight and tips on the home loan process and how to select the right lender. 

• Home Loan vs Mortgage
• Reasons People are Denied a Home Loan
• Improving Your Chances of Loan Approval
• Interest Rates and What Influences Them
• Points and Loan Fees
• Buying Down Interest Rates
• Interest Rate Locks
• Reasons NOT to Lock in a Rate
• Loan Pre-Approval Conditions
• Structuring a Competitive Offer
• Contingencies and Time Frames
• Eliminating Loan Contingencies
• Conventional, FHA and VA Loans
• Differences Between Loans
• FHA/ VA Loans and Condominium Complexes
• Mortgage Insurance
• Adjustable Rate Loans
• Mortgage Interest Rates & the Bond Market
• Looking Ahead at Interest Rates
• Loan Refinancing and Home Purchase Loans
• Appraisal Standards
• Underwriting Guidelines
• Pros and Cons of Buying Your Next Home Before Selling Your Current One

Click on this link to listen to our podcast  “How to Hire the Right Lender”