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Looking for a Home Loan in California?
Buying your own home is something every individual looks forward to. However, this can be an expensive and time-consuming process. A California home loan is the ideal alternative for bridging the gap in your finances and accumulating funds to purchase the property you desire.
Home loans are essentially money borrowed from a bank, lending institution, or private lender for the purpose of purchasing a property, a plot of land, or a residence. It can also be used to fund the rehabilitation, development, or improvement of an existing building.
If you are looking for a home loan to cover the costs of your real estate purchase, CalSun Mortgage can provide you with the unique loan for a home you need.
Jumbo Loan interest rates are affected by a borrower’s financial credentials.
Why Choose CalSun for Home Loan?
CalSun Mortgage is a regional mortgage lending institution dedicated to providing individuals across California with affordable homeownership. Competitive mortgage rates and no upfront fees are just the beginning. Our experienced mortgage consultants work hard to customize the right loan program for your financial goals.
At CalSun mortgage, we do not think of our clients as just borrowers and try to make your mortgage process as seamless as possible with zero closing costs, quick approvals, and loan options for every client.
With CalSun you can achieve the following before you begin your search for a property:
- Pre-Qualify you to ensure your eligibility for financing
- Compare and calculate monthly payments for various loan programs
- Compare and choose the right loan program for you
- Estimate the value of the property you are buying
- Determine the maximum loan amount for which you can qualify
Efficiency, Simplicity, and Friendly Professional Service are the pillars and core of our organization. We are committed to deliver what we promised.
Credit score requirements on a loan for a home varies based on the type of mortgage and the amount you are looking to borrow. However, the minimum credit score requirement for a home loan in California ranges between 660 to 680.
CalSun Mortgages offers a variety of mortgage solutions for our clients, including but not limited to:
- Purchase Loans
- Fixed Rate Loans
- Adjustable Rate Loans.
- Conforming Loans
- Jumbo Loans Up to $3,000,000,
- Non-Owner Occupied/Investor Loans
- FHA Loans
- Streamline FHA Refinance
- Reverse Mortgage
- Foreign National Home Loans
Interest rates will vary based on your financial situation, lender costs, and other variables. Interest rates might also fluctuate on a daily basis. To get an exact rate quote, we recommend that you speak with a loan officer.
As long as the major criteria we used to pre-approve you remain the same, your pre-approval stays valid.
Your employment, income, debt commitments, assets, and credit are the most important factors to consider. Please notify us if any of these requirements change so that we can assess the impact on your credentials and pre-approval.
In California, most mortgage programmes have a term of 30 years. Adjustable-rate mortgages have the shortest durations and require homeowners to refinance their mortgage at some point in the future to reset the term and rate, usually to a fixed-rate mortgage.