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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, the best mortgage broker in Los Angeles, CA, suggests you 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 amount 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?

Mortgage Banker at Bank of the West

Bill has substantial experience handling jumbo loans ($970,800+),  for residential and commercial properties, as well as many, related complex issues. He is a Mortgage Banker at the Bank of the West.  Bill's 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.

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