How much home can we afford?

The Best Mortgage Broker in Los Angeles Will Help You Find the Perfect Mortgage for Your Situation in Any Market

With so much money at stake, and the legal details so hard to fathom, home buyers are justified in being cautious about their decision to take out a mortgage. Whether you are a seasoned homeowner, first-time homebuyer, refinancing for cash out or a lower rate, or considering an investment or commercial property, you will be well advised to learn as much as you can about the mortgage process.

 

If you are like most buyers seeking a mortgage, the most important questions on your mind will usually include:

  • When do I lock?

  • What will be the mount of down payment?

  • How much can I afford?

  • What is my credit score and how will that affect my mortgage?

  • Should I use mortgage insurance from the FHA or private mortgage insurance?

  • What kind of mortgage do I need?

  • What will be the fees and costs?

 

Bill Rayman is Vice President of Mortgage Lending at Guaranteed Rate


Bill has substantial experience handling jumbo loans($750,000 – $6,000,000), for both residential and commercial properties, as well as the many, related complex issues. He is Vice President of Mortgage Lending for Guaranteed Rate, one of the largest originators of home mortgage loans in Los Angeles. Their vast resources assure you of finding the best possible rates and terms.

  • Alternative Documentation Loans
    If you are in business for yourself, have income that is difficult to document, have large swings in your income, or other unusual situations, you may be able to qualify for a stated income mortgage in Los Angeles or anywhere in California. In these unique circumstances you may not need income tax returns or other documents normally required.

  • Low Credit Score – We Can Help
    If you have a difficult situation due to income verification, low credit score, or unique real estate challenges, Bill has probably seen it before. He networks with a group of professionals whose legal, construction, real estate and financial backgrounds will help you find the way through even the most unusual situation.

  • Refinancing Mortgages – Now May Be the Time
    Mortgage interest rates continue to be available far below rates commonly available over the last 50 years. You may want to consider refinancing your existing mortgage into a new fixed 30-year loan at these amazing rates. Other reasons to consider refinancing your mortgage at this time would include: getting cash out for remodeling, education, investment, or medical expenses; reducing the interest rate or term; consolidating other debt that has higher interest rates; going to a fixed rate from an ARM.

 
Logo for Bill Rayman Home Mortgage

Bill Rayman

Vice President of Mortgage Lending

Bill Rayman Home Mortgages

12121 Wilshire Blvd., Los Angeles, CA 90025

439 N Canon Drive, Suite 207, Beverly Hills, CA 90210

  • o: (424) 354-5325

  • c: (310) 453-4016

  • f: (773) 357-4672

  • bill@rate.com

 

NMLS: 262951

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Mortgage Help Los Angeles 

llinois Residential Mortgage

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3940 N. Ravenswood Chicago, IL 60613 -

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Bill Rayman Home Mortgages, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guarantee prior to an interest rate lock.

 

 

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Bill Rayman

NMLS ID:262951;

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