Mortgage Loans

Michel John Valenzuela

CalBRE 02012969

NMLS 2136176

Ca Insurance 0676734

Please allow me the opportunity to help you achieve your "Dreams"

Buy (purchase) Refinance Cash out Debt Consolidate

There are many reason to refinance your Mortgage Loan on your home

1) Lower you payment. Do not refinance if your interest rate is at 6% 

2) Cash out to pay of bills.

3) Cash out to buy another home for investment to rent out  Leveraging your equity to increase you assests.

4) Cash out to start or help your business

5) Cash out to do home improvements and upgrade . Like room addition, remodel kitchen get solar Etc.

Please remember your equity is best used when you leverage it to increase value.  

Before you start looking for a house you need to see how much in price you can buy.

First thing you need to get a Mortgage Loan approval.

How?

1) Call me 24/7 allow me a few moments to speak to you.

2) I will go over the process and all details of getting a Mortgage Loan. The good and  bad.

3) Understand there are so many factors in determining what program to go with, rates, fees and related cost.It is impossible to give a accurate price over the phone. I will give basic information.

(Only a Mortgage Loan underwriter from a lender can provide the approval. That process takes about 2 weeks once all your information has been submitted.)

4) If you want to move forward  I will go over all the requirements and paper work you need and what has to be done.

5) Once all the paper work and your current information has been submitted to the Lender Underwrite and you qualify for a Mortgage Loan amount then you can start looking for a home.