Orange County Mortgage and Home Loan can lock in the best interest rates for:

• California Jumbo Loan
• Orange County FHA home loans
• VA mortgages
• 2nd mortgages
• Refinance mortgage programs
• Orange county first time buyer low down payment mortgages
• Low interest rate mortgages
• California debt consolidation home loans
  
  
  CALL RIGHT NOW FOR A FREE QUOTE, ask for ChrisNielson 800 - 881 - 2348!

Are you looking for easy, fast closings? Low rates? Full service and full disclosures?

These are a few of YOUR Benefits when you choose to buy Orange County Real Estate for sale at the guidance of the best mortgage brokers in Orange County --

Orange County Mortgage and Home Loan -- ask for ChrisNielson 800 - 881 - 2348!

Orange County Home Loan .com will meet with you to discuss the potential home loan. All you need to do is bring information to verify your income, long term debts and proof of consistent employment -- that's it. Chris Nielson - your premeir orange county mortgage broker will take care of the rest.

After determining that it makes sense to do business together, Orange County Home Loan will meet with you to get you pre-approved or pre-qualified so you know what homes in orange county for sale are within your budget.

This will save you time by ensuring that you are within your price range when house hunting, and know exactly what you have available to you.

You can be pre-approved in 24 hours with Orange County Mortgage and Home Loan mortgage brokers.

Additional items necessary to ease the process and get you loan funded within 30 days are:

A purchase contract for your house (if you have one) Your bank account numbers and the address of your bank, Checking and saving account statements from the previous 2-3 months Pay stubs W-2 withholding forms Tax returns for 2 years Other proof of employment and income verification Divorce settlement papers (if applicable) Credit card bills for the past few billing cycles or canceled rent and utility bill checks to show payment history and amount of revolving debt Information on other consumer debt such as car loans, furniture loans, student loans, and retail credit cards Balance sheets and tax returns (if you are self-employed). If you are using a gift from a parent or organization in order to pay a down payment or closing costs you will need a letter stating that the money is, in fact, a gift and will not have to be paid back.

If you have these items on hand for your meeting with Orange County Home Loans you will speed up your application process.

Orange Count Home Loan will give you a general idea of the amount of loan you qualify for at the initial meeting. Your final results will be returned for you within days. If, by chance, you do not qualify for a loan Orange County Home Loan will offer an explanation as well as other options you may explore.

Orange County Mortgage and Home Loan will begin the work of verifying all the information you've provided. This process can take anywhere from one to six weeks, depending on the type of mortgage your choose, whether you're buying a home outside your local community, or a host of other factors.

Within three business days after your application, the mortgage broker must give you an estimate of your closing costs. (The closing is the actual settlement of your loan.) You'll also get a statement that shows your estimated monthly payment, the cost of your finance charges, and other facts about your mortgage.

For many home buyers, this waiting period can be nerve-wracking. So stay in touch with your mortgage broker, be prepared to answer any questions that might come up -- and remember that mortgage brokers are in the business of making loans, not denying them.

Some home buyers find the closing process to be one of the most intimidating aspects of buying a home because it's so unfamiliar -- Orange County Mortgage and Home Loan provides the smoothest closings in the business. Don't worry -- owning your own home in orange county is just weeks away!