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Userful Links

Useful Links

Useful Resources

Mortgage Bankers Association of America Consumer Information

The Mortgage Bankers Association of America is the preeminent association representing the real estate finance industry. Their consumer information site contains several tools and guides to aid in purchasing or refinancing a home.

U. S. Department of Housing and Urban Development – Buying a Home

U. S. Department of Housing and Urban Development website provides extensive information about buying a home including affordability, borrower’s rights, tips and tricks for shopping for a loan, and details about different home buying programs including FHA loan programs and other special programs.

Federal Reserve Board Consumer Information

The Federal Reserve Board maintains a web page with consumer information, including a section on home mortgages. The section covers topics such as finding the best mortgage and understanding ARMs.

Homebuyer Education by Freddie Mac

Freddie Mac is a publicly held corporation chartered by Congress to increase the supply of funds that mortgage lenders, such as commercial banks, mortgage bankers, savings institutions and credit unions, can make available to homebuyers and multifamily investors. This Freddie Mac site offers a step-by-step tutorial on the home buying decision process and the mortgage application process.

Fannie Mae – Home Buying Process

Fannie Mae is a government-sponsored enterprise (GSE) chartered by Congress with a mission to provide liquidity, stability and affordability to the U.S. housing and mortgage markets. Home Buying Process guide on their website offers valuable information about buying a home. This website also provides important information for home owners.

United States Postal Service Official Movers Guide

What happens after you complete the purchase process? This U.S. Postal Service site provides all kinds of tools and tips to help make the moving process easier.


Resources Forms

The forms below are basic forms that may be used in the mortgage application process. To learn more about each individual form, please contact us.

Adobe Acrobat Reader is required in order to view these documents. If you do not have Acrobat Reader, click here to download it.

Loan Applications:

Other Forms:

Disclosures:

FHA:

Government Insured Loans

FHA

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to qualify for low mortgage rates with a minimal down payment Read More..

VA

Veteran Affairs or VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

The Veterans Administration provides insurance to lenders in the case that you default on a loan. Because the mortgage is guaranteed, lenders will offer a lower interest rate and terms than a conventional home loan. A VA loan may also have reduced closing costs and no prepayment penalties. Read More..

Unyque Sapphire Grant

The Sapphire down payment assistance program is a California homebuyer grant for moderate income individuals and families who can qualify for a mortgage but need assistance with down payment and or closing costs. Read More..

CalHFA

The California Housing Finance Agency (CalHFA) CalPLUS Conventional program is a first mortgage loan insured through private mortgage insurance on the conventional market. This loan is fully amortized for a 30-year term and is combined with the CalHFA Zero Interest Program (ZIP) for down payment assistance and/or closing costs.Read More..

Reverse Mortgages

Reverse mortgages allow senior homeowners, age 62 or older, to convert a portion of their home equity into cash while still living in the home. Equity is the current cash value of a home minus the current loan balance.

With a reverse mortgage instead of the homeowner paying the lender each month, the lender pays the homeowner. As long as the homeowner continues to live in the home, no repayment of principal, interest, or servicing fees are required. The goal of this loan is to provide the senior funds for housing expenses, living expenses and or maintenance costs. Read More..

What Clients Say About Us

Uf Testimonial1

I want to thank you so much for all of your help, your patience, calmness, joy in the midst of the storm, for your grace and so much more. I couldn't have gotten this house without you and I didn't want to forget to say THANK YOU for all you did to help me through the process. Only by the grace of God can one do your job and I know this is your calling because it was a joy working with you. You have been there for me through the entire process, in a moments notice, and I am so grateful. Yes, this is your job but I'm glad God put it in your heart to do it because it was meant for you to share your gift with others.

Martha R. 2015

2016-10-24T07:58:45+00:00

Martha R. 2015

I want to thank you so much for all of your help, your patience, calmness, joy in the midst of the storm, for your grace and so much more. I couldn’t have gotten this house without you and I didn’t want to forget to say THANK YOU for all you did to help me through … Continue reading Uf Testimonial1

Uf Testimonial2

Thank you not only for helping us with the loan but allowing me to feel peace when I spoke with you. Congratulations to you and all the people on your team that made it possible for us to get here. Gracias!

Jesse and Kathy G. 2016

2016-10-24T07:59:51+00:00

Jesse and Kathy G. 2016

Thank you not only for helping us with the loan but allowing me to feel peace when I spoke with you. Congratulations to you and all the people on your team that made it possible for us to get here. Gracias!

Uf Testimonial3

We made it to the finish line. It was stress free! I appreciate being able to work with a mortgage broker who returns calls, responds to emails and will give an update even when it isn’t good news. I highly respect your work ethic and look forward to working with you in the future.

Patrick S. Realtor, Metro Real Estate

2016-10-24T08:05:27+00:00

Patrick S. Realtor, Metro Real Estate

We made it to the finish line. It was stress free! I appreciate being able to work with a mortgage broker who returns calls, responds to emails and will give an update even when it isn’t good news. I highly respect your work ethic and look forward to working with you in the future.

Uf Testimonial4

Thank you so much for all your efforts! You are very thorough in explaining all of our loan options for purchasing our first investment property. We will always use you for home loans and refer all of our friends and family.

Aaron P. 2016

2016-10-24T08:06:42+00:00

Aaron P. 2016

Thank you so much for all your efforts! You are very thorough in explaining all of our loan options for purchasing our first investment property. We will always use you for home loans and refer all of our friends and family.