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Mortgage and Lending |
RAINER 3,489 |
| Gallegos Team Brian and Yolanda | ||
| location_on San Diego, CA — Amerifirst Financial Inc | ||
| insert_link http://www.cafhaloans.com | ||
| web Gallegos Team Brian and Yolanda's (gallegosteam) Blog | ||
The first step in the buying process of a new home is getting California Mortgage Loan Approval. It is better to KNOW what you are quailfied for than the GUESS what your are quailifed for. Apply Now for your new pre approval and find out exactly what you are qualified for, my team will take care of the entire process.
After you have completed the short application, takes about 10 minutes, then my team will issue what is known as an Pre-Qualification Form that your Real Estate Agent will need to submit with your offer.
VA Expert - If you are currently on active duty or a Veteran then you want to contact us. Brian served in the U.S. Navy for over 9 years. So we know how to get you into your home with a VA loan.
Do you have questions around buying a home after Foreclosure, Bankruptcy or Short sale! It's easier than think! Give us a Call.
Amerifirst and Team Gallegos are firm believers in providing the best customer service available in the market. We know that the cornerstone of a good customer relationship is communication throughout the loan process. We apply this not only to the borrower, but to all parties involved in the transaction. From listing agents to buyers agents, we want everyone to know where the process stands at all times. To solidify this belief we communicate daily with or borrowers and provide a weekly status report to every person associated with the transaction. It all starts with full disclosure of the available loan programs and a strong knowledge of FHA, VA and Fannie Mae guidelines. It doesn't end at closing either, we stay in constant contact with our past clients and referral partners to keep them up-to-date on how changes in the market could will effect their overall financial picture.
Realtors working with our team means:
You become a partner of our firm, where we help you develop your web presence You partner with a Lender who has buyers to refer to you! Online Pre-approvals, so you can print them when you need them.If you're a Real Estate Agent and you're looking for buyers to sell homes too, then you need to give us a call. We service Arizona and California at this time, but bringing on other markets in the very near future.
Would you like to be able to go into any listing presentation and GET the listing?
Don't take my word for it, we have a class developed where you earn free CE Credits, 3 hours General that will teach you how to market your listing DIRECTLY to the buyers using the POWER of the Internet and our education with SEO Marketing.
While we excel in all loan scenarios, our area of expertise is the FHA first-time home buyer. From knowledge of the loan programs available, to the education designed to ensure you make the choice that is right for you, Amerifirst is second to none.
We find that our knowledge of FHA, VA and first-time buyer programs also translates well to investors. Investors need expertise in these programs to help move their homes after rehab. They also need someone knowledgeable in how to structure lease purchases to optimize the rent credits and to ensure the underwriting process is smooth and painless. We have become experts in credit analization and no borrower gets left behind. Even if you don't qualify today, we will provide you with a detailed Path to Homeownership that will outline the steps you need to take in a clear and concise manner to become a homeowner.
We specialize in FHA loans and VA loans in California. We offer FHA & VA loans in California for purchasing, refinancing, and for taking cash-out. My company, AmeriFirst Financial, Inc, is affiliated with lenders that offer attractive FHA & VA loans in California . As a mortgage banker, I am able to place requests for FHA & VA loans with the lender that has the best rate for that day for my clients. I offer pre-approvals for Arizona and California purchases, and helps my clients package their loan file in the most advantageous way to get their request approved. FHA loans in California have become the most popular type of mortgage financing due to the minimum down payment requirements, exceptionally low rates and fast approvals. No more guessing if you're approved on an FHA & Va loan, now you can shop for that home with confidence knowing that you have the money secured to close.
FHA Loan Limits in California for Maricopa county currently sit at 697,500.00 the down payment requirement is 3.5% and the UFMIP (Up Front Mortgage Insurance Premimum) is 1% (on average). The monthly mortgage insurance is 1.25%. California FHA Loans are great right now first time home buyers and move up buyers, you can get a gift for the down payment and the seller can pay all your closing costs.
Fha Loan Documentation:
Tax Returns are needed if self employed all Fha loans in California for 2010 and 2011, if you have not filed 2011 then give me a copy of the extension- Must have filed your tax returns, we will be ordering a Transcript of the filed returns to verify your 1040's. In the event you can not find your Tax Returns, you will need to go to the IRS Consumer Division and order a copy they will give them to you there. W-2's for 2010 and 2011. Are needed for Fha loans in California 2 Most recent bank statement, all pages all accounts for last 60 days to verify assets to close for Fha Mortgage Investment accounts, 401k or IRA account statements, all pages most recent Copy of Drivers License(s). Year Make and Model of Vehicle with approx values Contact for Verification of Employment - Need name and Fax Number Contact Information for Landlord - Need name and fax number Contact For insurance agent. Letter of Explanation regarding Inquires on your credit. If you have not added any new credit lines, then this will suffice: I have not opened any new credit lines, or added any other debt not listed on my credit report. SIGNED, DATED Letter of Explanation regarding ANY derogatory credit explaining any late payments, collections etc. For bankruptcies discharged in the last 7 years, explain what happened to cause the BK and mention that you have taken care of the cause as to ensure it will not happen again. SIGNED, DATED IF APPLICABLE - copy of Bankruptcy papers, with discharge - Copy of Divorce Decree - Copy of Child Support Order VA loan limit with zero down is $477,000. You can use VA to buy a home for over $1,000,000.Dedicated in building partnerships with Realtor's. Home Purchases and Refinance(HARP) using VA, FHA, USDA, Conventional, and Jumbo. Credit Repair!