I started my real estate financing career in 2005. Since then, I have worked hard to deliver the best in customer satisfaction and fix problems when others have fallen short. I have built my business on these principles. Home ownership is part of the American Dream and I take pride helping families achieve this goal. I also enjoy helping real estate investors make sound decisions in their investments.
As a real estate investor myself, I love helping others decide which properties will bring them the highest returns on investment. I am able to do loans anywhere in California however my focus on the central coast and central valley. I would love to help you and your family accomplish the American dream.
As a real estate investor myself, I love helping others decide which properties will bring them the highest returns on investment. I am able to do loans anywhere in California however my focus on the central coast and central valley. I would love to help you and your family accomplish the American dream.
Services
Requested Documents
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We will request documents only after you have (1) received a Loan Estimate and a Home Loan Toolkit, and (2) you have provided us with your verbal or written "intent to proceed" with the mortgage application.
Before receiving the requested documents we may ask you to provide us with Information that will help us to evaluate your potential application for a mortgage loan.
If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet.
Before receiving the requested documents we may ask you to provide us with Information that will help us to evaluate your potential application for a mortgage loan.
If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet.
Loan Programs
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The following is a partial list of programs offered by Vero Mortgage with a brief description of the key elements of each.
For a complete list of the programs that we offer, please contact us at 559-734-5000.
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
Construction loans are used to finance the construction of a new structure.
Whether you're interested in building a brand new home for you and your family or you're looking to construct a commercial property we can help craft a terrific lending solution.
For a complete list of the programs that we offer, please contact us at 559-734-5000.
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
Construction loans are used to finance the construction of a new structure.
Whether you're interested in building a brand new home for you and your family or you're looking to construct a commercial property we can help craft a terrific lending solution.
Conventional Loans
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Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac.
Typically, conventional loans have better rates, terms and/or lower fees than other types of loans.
However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income.
Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.
Typically, conventional loans have better rates, terms and/or lower fees than other types of loans.
However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income.
Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.
FHA Loans
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It's easy to understand why many people looking for a new home are turning to FHA insured mortgage loan programs.
Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage.
Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.
With this information you can make a more informed decision on whether these government insured loans are right for you and your family.
In response to the growing housing situation in the United States the loan limits for FHA Loans has been temporarily raised.
Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage.
Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.
With this information you can make a more informed decision on whether these government insured loans are right for you and your family.
In response to the growing housing situation in the United States the loan limits for FHA Loans has been temporarily raised.
FHA Streamline Refinance
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If you already have an FHA mortgage then you might qualify for a FHA Streamline Refinance.
An FHA Streamline Refinance is a great way for a borrower with an existing FHA backed mortgage to reduce their interest rate, reduce their payment or possibly both.
No Appraisal is Required - because your loan is already guaranteed by your existing FHA loan, the FHA will allow you to use your home's original purchase price as your home's current value.
You can still refinance even if you are underwater - even if you owe more than your home is worth, you might still be able to get an FHA Streamline Refinance loan.
An FHA Streamline Refinance is a great way for a borrower with an existing FHA backed mortgage to reduce their interest rate, reduce their payment or possibly both.
No Appraisal is Required - because your loan is already guaranteed by your existing FHA loan, the FHA will allow you to use your home's original purchase price as your home's current value.
You can still refinance even if you are underwater - even if you owe more than your home is worth, you might still be able to get an FHA Streamline Refinance loan.
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