FHA loans

Women finding freedom through the sharing economy of AirBnB

Posted on May 31, 2021. Filed under: Accessory Dwelling Units, AirBnB, FHA loans, First Time Buyer help, Homeownership, Informed Investor Alliance, Making Life Easier, OC Property Management, Orange County Real Estate, Property Mangement, Real Estate Stories, Summer fun | Tags: , , , , , |

Let’s be honest, a lot of females are juggling household schedules, making beds on the daily, and working full time jobs in customer service or hospitality type industries. A lot of these same females are also searching for a way to spend more time with loved ones, and to find a better work-life balance. 

This brings the question: How can we live richer, more fuller lives while making a difference in the world? Keep close connections with our families & still sprinkle what we were meant to do into the ethosphere?

For those who have a passion to roam and to create, enter the opportunity of vacation rental management, AirBnB experiences, and niche property rental platforms.  

If you have a unique property or space, big or small, this is an opportunity for you. People love to rent not only stick & brick type properties, but also RV’s, boats, cars, treehouses, yurts, water towers, and land. 

We now live in a world where you can tow a trailer, link up to solar, put out a cell booster, charge devices, and work / connect from almost anywhere. As the clouds from Covid continue to lift, people are ready to explore this new world. Are you ready to connect with them? 

I recently had the opportunity to interview some of these women who have opened their spaces in the home-sharing economy. Each has a unique story to tell, weaved in with their life passions and experiences. 

Take for example entrepreneur Heather Carter, running Eureka Springs Coffee House with 2 AirBnB units above. Guests enjoy the main strip of historical Eureka, Arkansas; and also have discount offerings at the coffee shop below. Travelers include vacationers and business professionals alike. In a recent video interview with Heather, she said “We used to live above the coffee house ourselves, but we soon discovered we had a unique opportunity for rentals here”. Indeed she did!

Heather advised she prefers the niche with commercially zoned properties, so she can avoid any roadblocks with residential vacation rental limitations. If you aren’t sure about STR rules in your community or city, be sure to research accordingly to avoid pitfalls.

Another go-getter making the most of her skills is April Snow-Kass, a Realtor in LA specializing in harmonious homes for musicians. April recently branched out to nearby Joshua Tree as a vacation rental host. Now, not only can April sell property in a new area, she can speak to personal experience on the equity gains and the rental income her ‘Retro Ranch‘ in the JT desert is recently experiencing. 

Let’s not forget supermom and High School Counselor Carolynn Cribley. Her and financé Matthew Herman in Grandville, Michigan, are putting an extra room in their home, coined ‘The Barnhouse,’ to STR use. They stated in a recent interview that it’s brought such great results, they not only bought another property, but looped parents in on the opportunity. They inspired and guided Matthew’s parents to a short term rental purchase as well. Not only has Carolynn & Matthew created additional monthly cash flow (partly used to build a fun new pool!), they’ve hopped the family on the path to generational wealth.

According to the NAWRB’s website and WHER report:

“…research found women seek homeownership for these primary reasons:

As a “Sanctuary”
A sanctuary is defined as a place of refuge, an oasis or a retreat. Women value creating a unique space from which to retreat from the outside world—one in which they control the climate, the decor, the layout. One’s home is a psychology of space…”

https://www.nawrb.com/one-tough-mother-how-single-mothers-are-defining-the-homebuying-process/#more-18821

Vacation rentals are a method to live this ‘sanctuary’ lifestyle, and create income. Win-win.

Another example is Corporate Executive ‘girlboss’ Vanessa Montanez, who explained to Homeownership Day attendees in January easy steps to enter into investing. Vanessa discovered the benefits of renting her Temecula wine country home on AirBnB recently, and as a lender herself, was kind enough to share strategies with other would-be investors at Homeownership Day. 

Admittedly, all of these hosts know STR life is not as ‘passive’ as long term rentals; but it can be more profitable, plus it allows the ability to vacation in your own property, afford *more* units, & / or meet new friends. Yes, you may still be making beds, running multiple schedules, and rocking your 9-5. But it’s a way to squeeze the most out of almost any property. 

Best of all, homeownership is open to many, regardless of education level or background. With low interest rate loans and programs like FHA allowing as little as 3.5% down, many females are opting into a property purchase. Additionally, SBA loans for Women Owned Businesses have opened even more doors to run a viable business from home. There are many options to sell creations of any kind from home, be it via online avenues or to guests traveling through your space.

Speaking of online avenues, the fast-track growth of property rental apps makes the marketing side become much easier. You don’t have to do your own Search Engine Optimization anymore – these apps are paying to get the word out on your behalf. Platforms to easily start your sharing economy hosting on are AirBnB, VRBO, Hipcamps, Harvest Hosts, Furnished Finder, Outdoorsy, Turo, and more. 

For additional information or a guide into the vacation rental lifestyle, reach out to NAWRB Delegate Spokeswoman Angie Weeks, or watch her video interviews at http://www.YouTube.com/HomebuyingRegistry/ 

This article was written for Women in the Housing and Real Estate Ecosystem; NAWRB. If you would like an article for your publication simply comment below or reach out to Angie at 949-338-7408.

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Where is YOUR happy place? Homeownership Day 2021 is going virtual, nationwide, & global.

Posted on December 23, 2020. Filed under: FHA loans, First Time Buyer help, Home Seller Tips, Homeownership, Homeownership Day, Informed Investor Alliance, International Properties, Los Angeles property, OC Home Fair, OC Property Management, Orange County Real Estate, Property Mangement, Real Estate Stories, Selling for top dollar, VA Loan | Tags: , , |

Hi friends!

Although 2020 has been a challenging year for all of us, it has not been without some unexpected benefits. One of them is the new age of virtual employment, which has opened doors for so many to have an opportunity at homeownership. Individuals previously forced to rent in expensive urban areas are now free to move to a larger place, for less money, and have more options. We’re all about that – and Orange County Young Professionals Network is here to support your adventure!

Simple Solutions to Buying, Selling, & Investing in Real Estate

To that end, in 2021 YPN will do our annual Homeownership Day event virtually, and it won’t just be about investing in Southern California real estate. Instead, we’ll be offering local expert agent guidance in many popular cities across the United States, and actually the entire world.

If you haven’t looked at your home as an investment, or considered property as a path toward early retirement, we encourage you to attend the event on January 23, 2021 and look at your real estate in a new light. YES, it’s a place to thrive, to make memories, to customize your taste, to raise your family. But it can be so much more.

You can turn one property into a legacy, and that’s the session I teach & am passionate about. This year’s title is “Concepts to Become An Automatic Millionaire in Southern California & Beyond”; you can register for this 30 minute session by filling out the form below. I’ll educate you on a safe, secure, and timeless strategy for building up your real estate portfolio. These concepts don’t encourage you to stretch yourself too thin, take on a second job, or become a handyman; they are simple and easy to follow. And you can learn them in 30 minutes. I’ll tell you what – if you’ll just commit the time – I’m here to cheerlead you to the finish line.

Owning Property Can Change Your Future

As many of you know, I have been personally working on this strategy for over 15 years now! Because Real Estate is my full time job, we’ve taken it to the next level with vacation rentals, and the creation of Flower Den Retreats. I have found that owning property allows me to truly express myself, whether I’m creating art within, or dreaming up the next concept for a therapeutic space with the ones I love.

I want you to be able to flourish in your space too – are you? If you are, please comment what you love about your home below. Its fun to share our unique ideas 🙂 If you aren’t, fill out the form here and let’s get you on your way in 2021.

If you’re curious to hear what other previous attendees have to say, success stories, or info on the sessions we’ve held in the past, just subscribe to our YouTube Channel. We’ll be uploading new content on the regular. Here’s a video from a couple previous attendees who were able to buy a townhome with barely any money down, and now they are happily raising a family there.

Let Homeownership Day Lead You to Your Happy Place

Sometimes, change is good 🙂 To have a supportive tribe around you as you grow is so helpful, and that’s exactly what you’ll get out of Homeownership Day. Like minded people who want to learn and level up too. All the speakers are no-pressure, happy to answer questions, and excited to connect with you. The vibe of this event will be fresh, fun, educational, and there won’t be a single pitch. Promise. We’ll see you online Jan 23rd!

PS. If you know someone who should be presenting at this event, just connect us by emailing ochomefair@gmail.com & the committee will reach out to them – we love new angles of education and to connect with other professionals across the globe.

Homeownership Day 2021 Sign Up

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Buying Your First Home in California: How to Dig up Down Payment Funds

Posted on October 22, 2019. Filed under: Conventional Loan, FHA loans, First Time Buyer help, Foreclosure Assistance, Homeownership, Lenders & Loan info, Loan Advisor, Long Beach Homes, Los Angeles property, Los Angeles Real Estate, OC Home Fair, Orange County Real Estate, Real Estate Stories | Tags: , , , , , , , , , , , |

Angie & Hyepin Im, FACE FounderToday we’re spending a Saturday in Pomona at FACE LA’s Homebuying Fair – we met them through NAWRB and LOVE what these organizations stand for. FACE has compiled quite a few programs to help you with down payment funds, and have relationships with LOTS of generous banks who can help with lower interest rates, buy downs, silent seconds, and more. Sharing is caring…so read below to find some free down payment funds to get your family into a home!

Tip 1: Find a lender familiar with the Community Reinvestment Act, and align yourself with a housing non-profit like FACE.

 

There are literally programs EVERYWHERE. And they change on the regular. Don’t spend your precious time researching outdated internet options when you can meet someone face to face who will help you with free homeownership coaching and what’s available right now.

 

As of Oct 2019, when we’re writing this post, we wanted to include some snippets on current programs that could help you close the gap to your down payment goal.

 

Tip 2: Explore Down Payment Programs & properly prepare to buy a home with education

 

In LA for example there are LIPA & MIPA . The LIPA or low income purchase assistance program offers 90K in down payment funds. The MIPA or moderate income purchase assistance program offers 60K, which goes a long way even in Los Angeles.

 

Businesspeople Giving High Five In OfficeThese purchase programs (and many others) have some caveats. The home must be your primary residence, and you must pass a homebuyer education class (approx 8 hours). Did you know taking homebuyer education classes before you buy make you 30% less likely to go into foreclosure? This is why many city, bank, and state programs will require you take one before receiving funds. Everyone wants you to succeed in your homeownership venture, so there are milestones like this in place to set you up to win.

 

If you don’t like the CITY of Los Angeles traffic, maybe the County of LA’s 75K down payment program would be a better fit for you.  This program offers a second Trust Deed loan provided at 0% interest with all payments deferred until sale, transfer, refinancing, no longer owner-occupied, or full repayment of the first mortgage. HOP (Home Ownership Program) loans are available to first-time homebuyers in the unincorporated areas of Los Angeles County and cities participating in the Community Development Block Grant (CDBG) Urban County Program.

 

Maybe Los Angeles isn’t your thing at all….no worries!! CALHFA works all across the state of California for low and moderate income first time homebuyers. They finance almost everything when it comes to costs…down payment AND closing costs. You can literally close with $300 out of pocket. Yup. Read again. We’ve seen it. In OC!!!! Their requirements include 660 credit, owner occupied, and a homebuyer education class. The price cap is currently 765K.

 

The homebuyer fair today was in City of Pomona, and Pomona offers a fabulous down payment program (MAP) up to 100K! This city has some adorable craftsman homes that could use your TLC. Pomona basically does a silent second for 100K, there is no interest or payments owed by you. It does need to be paid back upon the following circumstances: sale of the home, refinance, occupancy change, or 15 years.

 

The City of Pomona loan will take a little share of your equity; if you borrowed 10% for this loan, then you need to pay back 10% of your equity upon sale to the city. This is totally fair since they gave you the same percentage to help start you out! Details include no ownership in the last 3 years, homebuying education class (by HUD), income cap requirements, and working with a lender who participates in the program.

 

 

Tip 3: Use OPM (Other People’s Money) to Help with your Down Payment

 

Here’s a video with Cain Rivera’s down payment success story testimony.  He was the youngest ever to receive a down payment from the city of LA program. Cain went from paying $1500/mo rent to UNDER $1000/mo mortgage owning his own condo in Balboa Park, and he didn’t have to leave LA to do it:

 

Tip 4: Layer your SoCal Down Payment Program benefits with bank programs too:

It was great to see so many banks offering programs to first time buyers. Here’s just a few of the programs our banking panelists talked about. If you’d like to get more info, sometime’s it’s easiest to just call FACE or check out an upcoming Home Fair – like OC Home Fair every January.

  • Bank of America currently offers a 10K grant offering in low to moderate income communities, PLUS a 7500 closing cost credit that applies to the entire country, check into it! In many states 7500 would cover the majority of your closing costs! 🙂
  • Wells Fargo has a lift program that gives 25K.
  • Boston Private has a 1% down conventional first time buyer program without mortgage insurance (when layered w other programs) that considers the entire scenario. If you’re self employed.. this is a great bank to call.
  • IMG_7409Union Bank has a 3K down payment assistance grant for closing costs or down payment assistance, which can be layered with other programs. Sorry couldn’t find the link for this exact program, but here are the low down offerings!
  • HSBC offers 7K toward closing costs for first time home buyers, and also 1/2 off your interest rate! Their credit requirement is only 620 so they are good if your credit is bad.
  • US Bank has 95-97% loan to value offerings & non-traditional credit consideration. They have a Mortgage Insurance program where they pick it up on your behalf. If you want just a lot, ask about their land program! You may also qualify for the American Dream program.
  • Bank of Hope has an in house underwriting Dept with a quick turnaround. They also waive mortgage application fees if you have an account with them.
  • Loan Depot – prides themselves on being very familiar with DAP – down payment assistance programs. They like to layer, and they can take credit as low as a 520 score.

 

These are just a few offerings and programs that are available in communities here in Southern California. Programs work if you are 20-70 years old – it’s never too late or early to consider homeownership!

 

One negative is these programs sometimes take major negotiating to get a seller to accept your offer, because they take 2x as long as a traditional escrow. You NEED a Realtor to represent you and keep the seller calm and informed.

 

Also, by the time you come across this post some of these programs may be expired, and new ones available. If you’d like us to hold your hand through the journey we’d be honored, just call or text Angie at 949-338-7408. As a 19 year old first time buyer who put only 3K down, I understand EXACTLY where you are at, and have a heart and the resources to help 🙂
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Attention Graduates! Learn How To Start Saving For A Home Today!

Posted on June 29, 2019. Filed under: FHA loans, First Time Buyer help, Homeownership, Orange County Real Estate |

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Congratulations grads! You did it! Graduating is an exciting time in your life! The inevitable question always lingers: “what’s next?” If you are considering home ownership, you are already a step ahead!

Rent or Own?

One of the misconceptions people have about owning a home is that it costs more than renting. The rent prices have been increasing over the last few years making the cost of renting the same as a mortgage payment (sometimes MORE). Home ownership is associated with more up-front costs than renting however you could potentially earn that money back. The value of your future home may increase over time providing you with a return on your investment. California has an extremely profitable housing market.

Here is an example: In 1998 you purchased a home in California for $200,000. Despite the up-front costs and the down payment, you made the leap into home ownership. Fast forward to 2019, your needs have changed and you want to sell your home. You sell your home for over $600,000 dollars! That is money in your pocket and money that goes right into your next down payment! You can read more about the perks of being a first time home buyer HERE and start planning for your future today!

How Will I Afford A Down Payment?

Many first time home buyers still believe a 20% down payment is required before you can get approved for a mortgage. That is how conventional mortgages were designed however there are more options for buyers today. FHA loans, VA loans, and USDA loans provide different rates and charge insurance differently. It is important to choose the loan that fits your downpayment needs. Read more about your mortgage lending options here.

Let’s talk savings. Your best change to get the property you desire in the time frame that works for you is to have a down payment saved so you are ready when you find your perfect home. After considering your options, you have decided what your target down payment is. You just graduated, you might feel like that amount of money is unattainable for you to earn within a reasonable timeframe but what if you didn’t have to wait that long? Crowdfunding could provide you with the down payment you need, in the time you need it.

Crowdfunding is exactly what is sounds like – it is the use of small amounts of money from a large amount of people to help you finance your first home. Your graduation party is approaching, and you’ve probably heard that your graduation gift is… MONEY! Some graduates might want to spend that money ASAP. What if you INSTEAD contributed that money towards a savings account for your first home? Check out this graph:

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If you invite 100 people to your graduation party and they gift you $100 dollars each, that is $10,000 going towards your down payment! Not ready to make the jump into home ownership yet? Throw that money into a savings account and earn money from interest! When you are ready, the money is yours for the taking.

How Can I Start?

When you are ready, you can reach out to Angie or the Vow2Save Team and they will help you make every step to purchasing your new home easy and exciting! Then you will be able to customize your very own website however you would like. Let your friends and family know that you have a goal of becoming a first time homeowner and direct them to donate on your website! As donations roll in, the meter on the website will grow. This encourages your friends and family to help you reach your goal.

Ready to start saving for your home? Check out Vow2Save and start planning your future today. By the time your wedding rolls around you can create a wedding registry that will fill your home with things you love!

Contact the Vow2Save team today 1 (949)-338-7408

 

 

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What the hoo is an ADU?? Maximizing your Southern California Real Estate

Posted on April 16, 2019. Filed under: Accessory Dwelling Units, ADUs, AirBnB, FHA loans, First Time Buyer help, Home Improvement Ideas, Homeownership, Informed Investor Alliance, Lenders & Loan info, Los Angeles property, Los Angeles Real Estate, Orange County Home Improvement, Orange County Real Estate | Tags: , , , , |

Have you heard of an ADU?

Accessory Dwelling Units are additional legal units on your property, and they can help you earn BIG bucks. If you’d like to run a duplex or generate additional income without buying an entire new property, then adding an ADU to your lot is a GREAT option. ADU’s can cost anywhere from 20K-200K, which is waaaay cheaper than a ‘unit’ in today’s Southern California real estate market. That said, not everyone has an additional 20-200K laying around to seize this opportunity, so let’s learn how you can use other people’s money to make some of your own!

Renovation loans are NOT construction loans, so if you have never heard of one… read on. There are multiple options for reno loans, so it’s about finding your best fit. Today we were at Eric C Miller’s Finance of America’s presentation and got some details & highlights for you. Finance of America highlighted how this process benefits you!

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Orange County Renovation loan process in a nutshell:

Pre-qualification –> Offer Accepted –> Disclose –> Underwriting conditional commitment –> Assign Project manager –> Collect credit conditions –> Project Scope & bids –> Appraisal –> Clear to Close –> Sign Docs –> Close –> Begin Renovations

Fannie Mae Homestyle Renovation Loan

  • Utilizes a construction project inspector sourced by lender
  • No minimum in repairs
  • Inspection prior to draw disbursements, up to 5 draws
  • All repairs and improvements must be attached to property, and supported by appraisal
  • Borrowers have 6 months to complete improvements
  • Repairs must begin within 30 days. (it’s ok if permits are the delay…you can pull permits on a property you don’t yet own)

They can be FHA or conventional, and they are a fully amortized single close transaction. 98% of the time they appraise on resales, so don’t worry if you’re buying resale.

FHA 203K – limited

  • nothing structural,
  • limit of 35K,
  • repairs must be completed in 4 months
  • limit of only two payments to each contractor

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FHA 203K – standard

  • can tear down the entire property but MUST use the entire foundation
  • utilizes a HUD consultant.
  • 6 months to complete improvements
  • can loan up to FHA limit for the county, high balance eligible
  • owner occupants only
  • Contract lingo: “The borrower has applied for Section 203k financing, and that the contract is contingent upon mortgage approval and the borrowers acceptance of additional required improvements”…this must be in there, but is not necessary in the purchase agreement.

Things to know & next steps:

  • Choosing the right contractor and renovation team is critical! Always get multiple quotes. If you’re looking for a forward thinking Orange County ADU company, check out RC Smith Design & Build.
  • 30 day escrows won’t fly, renovation loans take 45-60 days.
  • Reno loans are TOUGH. You’ve got to coordinate bids, contractors, and make deadlines. If you’re looking for an ‘easy button’ into homeownership, this may not be it 😉 BUT then again…you could try buying one of these Amazon ADU’s and avoid MOST of the contractor back and forth 🙂
  • ADU regulations are different and ever-changing. Here’s an OC ADU resource to get started. Always check with the city to find out your guidelines before beginning work or submitting offers!

Did you know most people spend 15K on their home the first year they buy it, and they statistically put it on credit cards? Ouch. Don’t be that guy, there’s a better way! Call or text Angie to start exploring your best ADU options at 949-338-7408 or email Angie@AskAngie.com

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Loan Advisor for your Southern California home

Posted on July 6, 2018. Filed under: Conventional Loan, FHA loans, First Time Buyer help, Homeownership, Lenders & Loan info, Loan Advisor, Making Life Easier, Orange County Real Estate | Tags: , , , , , , , |

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Need help with a loan for your home?

We value strong work relationships so much in our line of work. Successful home buying includes many different people and many different skills, and we couldn’t be as successful as we are without the help of our favorite referrals. When our clients are needing help with a loan to purchase their home or refinance on a loan they currently have, we frequently match them with Derek Beisner at RPM Mortgage.

Derek has an ‘advance approval’ program which basically makes buyers look as good as cash investors. This approval allows us to write out the loan contingency and close a loan in 21 days. In today’s tough market, this helps our buyer offers rise to the top of the pile!

Loan Advisor with RPM Mortgage

Derek Beisner has over 20 years of experience in the loan business. We have known each other through Orange County LeTip for almost fifteen years and he is the trusted mortgage lender in our group. He specializes in residential home purchases and refinance loans. His creative problem solving and forward thinking sets him apart from the rest. A key part of what he does for our clients and his own is a Custom Mortgage Analysis to determine the best loan option available that will suit their specific financial needs. This helps make sure each client has a loan that is going to work best with their lifestyle and financial situation. His expertise in the loan profession and his passion for serving clients, as well as, his determination to close on time will win you over (it sure did us)! Derek is one of our preferred Vow2Save lenders and he can loan in all states! Vow2Save is a very important program to us, allowing engaged couples to register for a down payment on their first home, so we only refer the best of the best to these couples.

derek

Mortgage Done Right

Derek’s Mission Statement shows just how reliable and easy he is to work with. It also shows you how seriously he takes his profession and the passion that allows him to do it so efficiently.

Mission Statement
My goal is to provide my clients with an unbelievable experience from start to finish with the loan process. By developing a vehicle for them to achieve the goal for their loan or refinance in a friendly and stress free environment.

It is my desire to conduct my business with the highest level of integrity and respect for my clients and co-workers.

And it is important to me to honor God in all that I do.

If you’re looking for help on a new or existing loan and you’re not sure who to contact the AskAngie team highly recommends Derek. Contact him at dbeisner@rpm-mtg.com or 949-637-9939 and if you’re looking for the perfect home to use that loan on contact Angie at 949-338-7408.

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Hot Topic: FHA or Conventional Loan?

Posted on September 22, 2017. Filed under: Conventional Loan, FHA loans, First Time Buyer help, Lenders & Loan info, Orange County Real Estate | Tags: , , |

Wondering which home loan will be best for you? Here’s some helpful tips

Lots of buyers have been questioning which loan is best for them and their situation. Honestly, it does depend on just that – your situation. We have put together some information on both of these loan options to make it easier for you to decide what you think is best for yourself! Some of the biggest, but most simple differences between FHA and conventional loans are based on their guidelines and who can apply for them. FHA loans are government backed programs that require a minimum 3.5% down payment. These loans tend to be best for borrowers with lower credit than necessary to apply for a conventional loan.

Conventional loans are open-market and are geared for people with a higher credit score, typically near 700 or higher. Rates tend to be a bit lower, and in most cases no Mortgage Insurance is required.

FHA used to be a much more expensive option, but after FHA MIP reductions in 2015 it is now a real competitor. However, FHA can tend to be more strict in requirements than a conventional loan is.

What does an FHA Loan Require?

FHA loans require homes to have the following in good working order:

  • stove
  • heat
  • functioning roof
  • locking doors and windows
  • non-lead based paint

If you are looking to buy a condo… it can only be in a FHA approved community. So if you are choosing FHA, you may have less home options available to you. FHA loans also require you to purchase mortgage insurance which protects the lenders from a loss. In January of 2015, the FHA reduced the annual mortgage insurance premium on a 30 year fixed rate from 1.35 % to 0.85% of the loan balance. This is leading to huge savings for many who want a condo but just don’t have the larger down payment.

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Okay, so which home loan should you choose?

There isn’t one specific answer that fits everybody. It all depends on you, your needs and wants, and what you can afford to choose. If you plan on owning your home for 6-10 years and you don’t mind refinancing to cancel your mortgage insurance you might choose FHA. If you can put 5% down, you plan on keeping your home for 10-20 years and you don’t like the idea of paying mortgage insurance for thirty years you may choose conventional!

If you are looking into buying a home and need help finding one along with deciding which loan option is best for you – we can help! We work with a lot of amazing lender contacts locally here in Orange County that we would love to set you up with. We like to match-make our clients with lenders that we think will benefit them the most. Depending on your personality, wants/needs, and what kind of loan you are interested in all helps us decide which lender will be best for you! Fill out the form below or contact Angie at 949-338-7408 for more information 🙂

 

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