Make Your Dream Home a Reality
Buying a home and fulfilling your dreams is a process that we can help you. We realize it can be overwhelming to choose the best mortgage companies in Orange County. Our loan and financial experts at The Mortgage Mentors are here to help you make an informed decision while you evaluate the different mortgage loan options.
We are there with you from the start until you close your mortgage loan and beyond. We work for you and with you to understand which loan option is the best and how you can qualify for the mortgage loan.
Select a Mortgage Loan That’s Right for You
– Conventional Fixed-Rate Mortgage Loan: Benefit from lenders who charge the lowest fixed rate interest. Choosing such a loan means no interest-rate surprise. You should consider this loan type if you intend to stay in your home for a long time, have a good credit history, and have personal savings to put down a minimum of 5% as a down payment.
– Adjustable-rate Mortgage: If you intend moving to a different location or want to buy a bigger home a few years down the line, adjustable-rate mortgage (ARM) could be just what you are looking for. With historically low interest-rate, you can benefit from the low monthly installments during the initial years. But, do remember that the interest rate can significantly increase in a short span of time. Our financial experts will help you evaluate ARMs to ascertain if it is the right choice for you.
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-FHA Mortgage Loan: This loan is guaranteed by the Federal Housing Administration (FHA) and comes with a built-in mortgage insurance to offset the risk of default. FHA mortgage requires smaller down payment compared to other types of mortgage loans. If you do not have a good credit history or you have limited money for a down payment, this fixed-rate mortgage loan could be just what you are seeking.
-VA Mortgage Loan: As a US armed forces veteran or an active member, you can find the top mortgage companies in Orange County when you want to buy your home. We help you find the right lenders in the County who extend VA mortgage loans, which are guaranteed by the Department of Veteran Affairs and don’t require a down payment.
– Jumbo Loan: If your dream home exceeds the loan limits of conventional home loans, you may have to apply for a jumbo loan. Since Orange County is considered a higher-priced real estate market, the threshold for jumbo loans here is $726,525 for 2019. It is essential that you check this threshold amount before applying for the loan, which has ARM and fixed-rate options, but it reserved for borrowers with stellar credit history.
Apply for a Mortgage Loan!
Let The Mortgage Mentors help you find the ideal mortgage loan. We help you get pre-qualified to prove to home sellers that you are serious about buying. Use our online application form to get pre-qualified by the best mortgage companies in Orange County.