VA Home Loans

Guaranteed by the U.S. Department of Veterans Affairs.

Reverse Mortgages

For homeowners to leverage the equity in their home.

Refinancing

Replace your current home loan with a new one.

Prime Jumbo and Super Jumbo Mortgages

For high-income earners who make $250,000+ a year.

Fixed-Rate Mortgages

Offers predictability for your budget.

FHA Home Loans

Popular for first-time homebuyers.

Conventional Mortgages/Conventional High Balance

A loan not guaranteed or insured by the federal government.

Self Employed Loan Programs

For 1099 recipients, P&L users or qualify using assets.

Bank Statement Programs

See how you can qualify without having to show tax returns.

Investor DSCR or Rental Income Loans

Perfect for investors who want tenant rent to cover mortgage.

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Never Skip The Home Inspection


California real estate

Weakened Negotiations

After a home inspection is completed, the buyer can reevaluate their offer, renegotiate the terms or even pull out. More than 80% of home prices are negotiated at least twice when they include a home inspection. If you forego this process, you also forfeit the opportunity to readjust the price of the home, which can greatly reflect both the condition of the home and any future repair costs.

Costly Repairs

A home inspection provides an overall report of the current condition of a home, including its systems, appliances, foundation and more, as well as letting a buyer know what repairs will be necessary. If you skip the the home inspection, you risk letting both minor and major issues go undetected, and any repair costs will come out of your pocket.

Insurance

Without a report, your insurance company may not cover pre-existing issues discovered after purchase without a home inspection. This means you will likely have to pay out of pocket for any repairs.

Safety Hazards

Home inspectors note any health and safety hazards. Without this, you may not be aware of potentially dangerous conditions. Issues such as outdated electrical wiring, deteriorating pipes or structural damage, such as a cracked foundation, can put you at serious risk. An inspector will identify these issues and give you information on how to fix or replace items and areas as needed.

Peace of Mind

A completed home inspection paints a picture of not only the condition of a home, but also the overall value, which can help buyers when it comes to negotiation and costs. Without the details of a home’s condition, you may feel anxious and uncertain. Whether an inspection brings up a lot of issues and problems with a home, or if it yields only a few, you will have the opportunity to walk away or move forward knowing everything necessary about your new house.

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About

VA Home Loans
Reverse Mortgages
Refinancing
Prime Jumbo and Super Jumbo Mortgages
Fixed-Rate Mortgages
FHA Home Loans
Conventional Mortgages/Conventional High Balance
Self Employed Loan Programs
Bank Statement Programs
Investor DSCR or Rental Income Loans

Loan Options

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