Carlos Amador/ Dream House Mortgages

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Purchase Our philosophy is to not only build loans but build relationships, and help guide you through the steps necessary to achieve a successful real estate transaction. Step 1: Get Your Finances in Order Your credit reports are an ongoing summary of how you manage your finances. It is important to know exactly what your credit reports say about your financial history before you apply for a mortgage. Credit reports play an important role in the mortgage approval process. They determine the interest rate and other loan terms that a lender can offer you. To avoid any surprises, take a close look at your credit reports before you apply for a loan. Step 2: Get Familiar with the Mortgage Industry Finding the right loan is crucial to creating a positive home buying experience. We can help you understand what is available to suit your needs. Our in-depth expertise will help you make an informed decision and guide you throughout the entire process. 3: Get Pre-Approved for Mortgage Do you know how much house you can afford? Our Pre-Approval program can give you a competitive edge over other house hunters. Consider this scenario. A seller gets two similar offers. One is accompanied by a letter from GoGSF that states they are pre-approved for a mortgage in the amount of the offer. The other has no supporting documents. Which purchase offer do you think the seller will consider first? Step 4: Determine Your Wants and Needs Once you get familiar with your real estate market and narrow down your wants and needs, you’ll find buying a home isn’t as difficult as you might think. Need some help? Our Go GSF purchase specialists can assist you every step of the way. Step 5: Learn to Work with Real Estate Agents Real estate agents represent buyers, sellers, or both–and in some states they can work as neutral facilitators for either party. It’s essential to understand agent duties and loyalties before you make that first phone call. Refinance. There has never been a better time to refinance your existing mortgage. Today’s fixed and ARM interest rates are the lowest in a generation and there are a wide range of refinance programs in existence that are new to the marketplace. To help determine what program is best for you, we offer the information below. Reverse Loans Our mission is to provide highest mortgage solutions at affordable prices with fast delivery and excellent customer service. FHA Loans Federal Housing Administration Loan (FHA), assists borrowers who may need a low down payment and flexible mortgage guidelines. The FHA loan is a great product that helps many people refinance. There are numerous refinance programs available through FHA from fixed rates to streamlined programs designed specifically for those holding a current FHA loan. Even if you hold a conventional mortgage, an FHA refinance may make sense as it typically has less stringent qualifications. Similar to conventional fixed-rate options, you can obtain an FHA fixed rate loan in a 30-year or 15-year option. The same benefits would apply as a conventional fixed-rate—the stability of a consistent rate over the course of a loan. Also, credit requirements may be less stringent if you are concerned about qualifying under conventional guidelines. Basic Profile: 1 Under the FHA streamline program, current FHA loan borrowers can refinance with no appraisal. 2 Up to 97.75% loan to value (LTV) for a rate and term refinances. 3 Up to 85% loan to value (LTV) for cash out refinances. VA Loans Veteran’s Affairs (VA) loan. The VA loan is an excellent loan that can assist our veterans who may want to refinance to take advantage of a lower interest rate via an interest rate reduction refinance loan (IRRRL) or cash out. If you currently hold a VA Loan or are eligible to move to one, there are also several available refinance options. Cash-out Refinance This program is designed to help you tap into the equity in your home. Perhaps your property has increased in value since your purchase and you’d like to take some of the equity to help pay off other bills. This loan will allow you to access up to 90% of your home’s current value. Rate-Term Refinance A rate-term refinance is for an eligible borrower that may be currently in a conventional or ARM that wishes to move to a VA loan. This program offers the ability to finance up to 100% of the property’s value and never requires mortgage insurance. This is a fixed- rate loan and provides the same level of stability as other fixed- rate products. This can ultimately help a borrower save on monthly payments while incurring very minimal out-of pocket expenses. Interest Rate Reduction Refinance Loan (IRRRL) This is a streamlined program for those borrowers currently in a VA loan. It is designed to help lower interest rates, change the overall terms of the loan such as moving from an ARM to a fixed-rate. There are typically no out-of-pocket expenses and no appraisals are required. Another great benefit of this program is that documentation requirements are eased and processing is usually quick. Basic Profile: 1 Up to 90% of the home’s value for cash out. 2 VA interest rate reduction refinance loan (IRRRL) simplifies the refinance process. Cash out not allowed. 3 Second home and investment properties allowed with the VA interest rate reduction refinance loan (IRRRL). See your Movement Mortgage Loan Officer for details.