California home loans southern California home equity loans CA mortgages Los Angeles mortgage brokers first time home mortgages California real estate loans

California Home Loans and Mortgages

The latest posts on the California Home Loans Blog:


Subscribe to California Home Loans with Ken Go by Email
 

Forex currency trading

Online forex trading

1st Innovative Finance Group - southern California home loans from mortgage brokers specializing in bad credit loans

Prequalify

Long Form

Home Loan Info

CA Home Loans Blog

 

Low mortgage rates mean time to buy or refinance at historic loan rates.
30 Year Mortgage Rates Have Dropped to All Time Lows!

Here are what is typically a qualified customer for these low rates:

  • Property to be owner occupied
  • Loan amount under $417,000
  • Credit Score minimum @ 740 unless the loan to value ratio is less than 70%
  • Debt to income ratio needs to be below 45%, meaning all your debts (Revolving & Installment + PITI) added up and if you divide it with your gross income, it should not exceed 45%
  • Employment history has to be in line with Fannie and Freddie guidelines.
  • Cash out transactions will depend on the loan to value ratios to qualify for these rates.
     

1st Innovative Finance Group
Guaranteed Rates and Fees!

Ken Go, southern California mortgage brokers for southern CA home loans, debt consolidation, home equity loans, credit repair, and other real estate loans in California.
Ken Go, southern CA mortgage broker.

1011 W. Whittier Blvd #A
La Habra, CA 90631
Office: (888) 822-5363
Ken: (800) 508-7048

NEW REFINANCING OPTIONS BELOW!

As California mortgage brokers, First Innovative Finance Group searches for the best California home loans for you, regardless of your borrowing situation.  If you need a real estate loan in California, 1st Innovative can help you with poor credit loans, bad credit California home loans, no credit loans, even if you have a bankruptcy or charge-offs. If you need a California home equity loan or any type of California home loan, no matter what your credit situation, contact us. We can help.

California Home Loans from 1st Innovative Finance GroupCalifornia Home Loans

Ken's California Home Loans Blog is a great place to start if you want to learn more about the mortgage industry, how real estate loans work, and how you can make sure you're getting the right loan for you. Ken also posts his free mortgage advice articles at this free home loans articles site, and this home financing articles archive. If you're new to real estate loans in Los Angeles, or you're in the market for first time home mortgages in California, you should read Ken Go's California Home Loans blog which is constantly updated with the latest information about various mortgages and programs available for financing your home.

Ken has over 20 years in the southern California home loan market. His honesty and courtesy equal loyalty to his customers. Forget about "good faith estimates." With 1st Innovative Finance Group, all loan rates and fees are guaranteed upon application.

 California Mortgages and southern California home equity loansCA mortgages and southern California home equity loans

On real estate purchase and refinance loans, if you already have a quote and need a second opinion, no problem. You'll be under no obligation if you get another quote from us.

From the worst credit to the best, we treat you the same and charge the same. We also work with our customers to help raise their credit scores. You get a free credit report and consolidation, with free dispute forms for the three bureaus. We also do alternative loans to people with sub prime credit with no money down (more on our California home loan information page). Because of our help for people with poor credit, we are proud that we have helped with first time home mortgages in California, in many cases for people who thought they couldn't qualify. 

Ken Go speaks English, Chinese, and Filipino (Tagalog). Call today! Ken can get you bad credit loans and home equity loans for debt consolidation mortgages and refinancing California home loans and hard money loans.

 

Loans and Mortgages for California Real Estate

Refinance now at 3.5% 10YR FIXED No Cost!

Purchase down payments as low as 3% on conventional financing, 3.5% for FHA loans.

No points available for purchase loans, guaranteed rates and fees.

Guarantee closing once application is taken.

REFINANCING MADE EASY

No Documentation Fees - and No Title Fees. Apply now and refinance with 1ST Innovative Finance Group.

Call for 100% fannie Refi or 105% Freddie Mac refinancing programs.

Non- owner occupied loans with 20% down only.

Loan rates are locked with no charges and again GUARANTEED in writing.

Guarantee smooth sailing all the way to closing.

We encourage rate comparison with other major banks and we will guarantee same day pricing that we can either beat or match any lender out there.

We invite all kinds of inquiry, follow ups during the loan is being process and we love to educate our clients to be smarter shoppers.

Guarantee less than 30 days closing.

Loan amounts up to 1.5 million.

Loan programs :

40 yrs fixed rate mortgages, 20 , 15 or 10 years available.

Arm rates with 3-5-7-10 year initial fixed rates lower to help you thru your first few years of home ownership.

  • 30-Year Fixed
  • Low payment that won’t change.
  • Our most popular mortgage.
  • Achieve your financial objectives!
  • Lower Your Payment
  • Take advantage of low rates.
  • More money in your pocket!
  • No hidden fees or surprises.
  • Buy Your New Home
  • Best buyer’s market EVER.
  • We’ll guide you every step.
  • Fast pre-approval

1st Innovative Finance Group

  Rates subject to change.

 

© 1st Innovative Finance Group, 1011 W. Whittier Blvd #A, La Habra, CA 90631
Office: (888) 822-5363  Ken: (800) 508-7048  Ken's California Home Loans Blog

 

site by supak | get higher search engine ranks | links