Charly Bates is your premier mortgage expert located in Yuba City, California. He prides himself on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Yuba City area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced mortgage broker can help you take that first step toward a financial solution.
Whether you are a first time home buyer or purchasing your dream home, Charly will help you find the right financing solutions to meet your needs. Charly can help you lower your interest rate, lower your monthly payment, or take cash out. He is here to help you with all of your mortgage refinancing needs. A smart buyer is an informed buyer. FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.
Learn more about how you can qualify for an FHA loan.
Whether you are a first time home buyer or purchasing your dream home, Charly will help you find the right financing solutions to meet your needs. Charly can help you lower your interest rate, lower your monthly payment, or take cash out. He is here to help you with all of your mortgage refinancing needs. A smart buyer is an informed buyer. FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.
Learn more about how you can qualify for an FHA loan.
Services
Company
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Charly Bates has been a top mortgage professional in the Yuba Sutter area for over 22 years.
My goal is to serve our Customer today by continuously operating from our core belief that exceeding expectations is the only way to do business.
We will deliver this pledge of excellence through unsurpassed Customer service, leading-edge technology, and the most expert assistance possible in order to deliver the most innovative and creative mortgage financing solutions available.
We uphold a high standard for service so that we can provide incredible results.
My goal is to serve our Customer today by continuously operating from our core belief that exceeding expectations is the only way to do business.
We will deliver this pledge of excellence through unsurpassed Customer service, leading-edge technology, and the most expert assistance possible in order to deliver the most innovative and creative mortgage financing solutions available.
We uphold a high standard for service so that we can provide incredible results.
Types Of Loan Programs Fixed vs Adjustable
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One of the first choices a homebuyer will need to make is whether you want a fixed-rate or an adjustable-rate mortgage loan.
The bulk of loans will fit into one of these two categories, however, there is a third option that will allow you to "hybrid" the two.
An adjustable-rate mortgage, (ARM): The interest rate of the mortgage adjusts periodically based on market conditions.
For example, your payment will go up if rates go up and go down if rates go down.
Fixed-rate Mortgage: Unlike an adjustable-rate mortgage the interest rate is set at the time you take out the loan and will not change.
The bulk of loans will fit into one of these two categories, however, there is a third option that will allow you to "hybrid" the two.
An adjustable-rate mortgage, (ARM): The interest rate of the mortgage adjusts periodically based on market conditions.
For example, your payment will go up if rates go up and go down if rates go down.
Fixed-rate Mortgage: Unlike an adjustable-rate mortgage the interest rate is set at the time you take out the loan and will not change.
Mortgage Refinance
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Refinancing a mortgage is when a borrower gets a better interested rate and loan term.
A borrower can achieve lower monthly payments and if they qualify, use their equity to obtain money that can be spent by the borrower.
There are several pros and cons of refinancing a mortgage and we can help determine if this is right for you.
For more information on refinancing contact us today at (530) 671-4214.
A borrower can achieve lower monthly payments and if they qualify, use their equity to obtain money that can be spent by the borrower.
There are several pros and cons of refinancing a mortgage and we can help determine if this is right for you.
For more information on refinancing contact us today at (530) 671-4214.
Conventional Loans
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Conventional loans are mortgage loans offered by non-government sponsored lenders.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
It may have either a fixed or adjustable rate.
While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
It may have either a fixed or adjustable rate.
While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
VA Loans
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A VA Loan is Designed to offer long-term financing to veterans.
VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration.
The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
It is generally easier to qualify for a VA loan than conventional loans.
VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration.
The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
It is generally easier to qualify for a VA loan than conventional loans.
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