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various loan programs

Orange County Mortgage Programs Every Buyer Should Know About

Mortgages are not designed to fit everyone’s situation. Each home buyer has their own unique credit and financial condition, which is the reason that different loan programs work better for some people.  We’ll discuss the following types of mortgage programs and products that borrowers are able to pick from. The bulk of home loans for…

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typical hard money borrowers

Why Some Borrowers Prefer Hard Money Loans

The label “hard money lender” is a lender, sometimes private individuals, who make loans to people or businesses that banks and credit unions will not offer a loan.  On the other side, a “soft money loan” are loans that are offered by traditional lending institutions; banks and credit unions. You will need to meet the…

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loan limits as of 2019

Orange County Maximum Loan Limit Increases to $726,525 in 2019

As of January, 1, 2019, all mortgage lenders in California will recognize the new conforming loan limit of $726,25 for Orange County and other high cost counties throughout the state. Additionally, FHA has made a similar move and raised their own loan limits as well.  This is very good news for prospective home buyers who…

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conventional mortgage 97 ltv

Do New Conventional Loans Compete Against Government Loans?

Government-backed Home Loans FHA home mortgage loans offer home buyers a excellent low-down payment solution at 3.5% for various income and credit score tiers. Even with credit below 580, the down payment is attractive at 10% down. Then, you have the zero down payment options from the VA and USDA loan programs helps specific borrowers…

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Mortgage approval or prequalification

Is it OK to Switch Lenders While in Underwriting with Current Lender?

Here’s a great example of why you would switch. Your loan officer is claiming that you will be approved within adequate time for closing but because you were never completely comfortable with the loan officer or lender, you want switch to a different lender. Then you have uncertainties about if the second lender can approve…

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7 Ways to Get the Best Mortgage Rate and Terms

Gone are the days where you could say you make “x” amount of dollars and you are approved fairly quick. Today, lenders are required to conduct considerably more due diligence on existing homeowners and buyers than years ago. Additionally, the recently introduced riles from Dodd-Frank combined with what economists call the Great Recession, countless mortgage…

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