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The Best Mortgage Broker Near Me is Marcel Garcia │818 Mortgage: Home Loan Expert serving all of California, Get Pre-Approved Today!
Marcel Garcia │818 Mortgage: Home Loan Expert serving all of California, Get Pre-Approved Today!
Focus: Primarily home mortgage loans.
Products:
Fixed-rate mortgages:
Available in 30-year, 25, 20, 15, and 10 year terms.
Adjustable-rate mortgages (ARMs):
Such as 5y/6m ARM variable.
Jumbo Loans:
For borrowers needing higher loan amounts, available as fixed-rate or adjustable-rate.
Government-backed loans:
FHA (Federal Housing Administration) and VA (U.S. Department of Veterans Affairs) loans, which often feature low down payment options and flexible credit/income guidelines.
Investor Property Loan
Focus: Specializes in financing for real estate investment properties.
Products:
DSCR (Debt Service Coverage Ratio) Loans:
Qualify based on the property's projected rental income rather than personal income, ideal for investors expanding portfolios or with non-traditional income.
Blanket Mortgages:
For financing multiple investment properties under a single loan.
Fix & Flip Loans:
Short-term financing for renovating and reselling properties.
Private Money Loans:
Often short-term with higher interest rates but faster funding and flexible terms.
Bank Statement Loans:
For self-employed investors, using bank statements to verify income.
Conventional Loans:
Standard mortgages for investment properties, typically requiring a 20% down payment.
Home Equity Loans (HELOC):
Allows homeowners to borrow against their primary residence's equity for investment property purchases.
Asset-Based Loans:
Qualify based on liquid assets rather than income.
Foreign National Loans:
Available for non-US citizens without a social security number, green card, or visa.
Refinancing:
Services for existing investment property loans.
Focus: Mortgage loans and residential real estate, catering to California homeowners and real estate investors.
Products:
Conventional Mortgage Loans:
Basic mortgage options.
Investment Property Financing:
Including options for liquidating equity in other properties to finance new investments.
Purchase and Refinance Loans:
General services for buying homes or refinancing existing mortgages.
Specialty Programs:
The generative summary from Maps indicates they offer programs for self-employed individuals.
Please note: that this is a summary based on available information, and it's always best to contact Marcel Garcia │818 Mortgage: Home Loan Expert serving all of California, Get Pre-Approved Today! directly for the most current and detailed information on their specific loan products and eligibility requirements.
Marcel Garcia │818 Mortgage: Home Loan Expert serving all of California, Get Pre-Approved Today! has been in the real estate business since the early 2000s and our staff represents over 100 years of combined experience in the mortgage lending and real estate industry.
Over the years, we have assisted thousands of customers and financed millions in purchasing & refinancing throughout California.
We originate, process, and underwrite everything from single family to multi-family home loans from as little as $100,000 to $2 million, with our largest purchase at nearly $20,000,000. Whether large or small, all of our loans are treated with our signature white glove service. From conventional loans to hard money loans, guidelines can vary on a case by case basis.
Marcel Garcia │818 Mortgage: Home Loan Expert serving all of California, Get Pre-Approved Today! will work for you to find the best rate and payment based on the property, your credit history and preferences for a home loan. If you live in Topanga, Malibu, Santa Monica, Pacifica Palisades, Venice, Woodland Hills, West Hills, Encino, Sherman Oaks, the greater Los Angeles area, or anywhere in the state of California & beyond, we are the mortgage broker for you.
For rates and terms, loan to values and underwriting guidelines, contact Marcel Garcia │818 Mortgage: Home Loan Expert serving all of California, Get Pre-Approved Today! at 818-457-1554.
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