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Sunshine, innovation, and endless possibilities await in California. Whether you dream of life by the beach, bustling cityscapes, or charming suburbs, California offers it all. With a thriving economy and diverse culture, it's a land of opportunity for homebuyers. Get pre-approved today and start your California dream.

Lo que dicen nuestros clientes en California

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(Translated by Google) We have a long history together, I've been her client for over 10 years. I'm so grateful to God for her life and her work. Thank you so much for always helping me 24/7, you're a wonderful person. Thank you so much! (Original) Longa historia juntos sou cliente dela a mais 10 anos so gratidao a Deus pela vida dela e pelo trabalho muito obrigado por me ajudar sempre 24/7 pessoa maravilhosa muito obrigado muito obrigado

Alexandre A.

google

Kevin and his mortgage team are one of the best in the business—reliable, responsive, knowledgeable, efficient, and professional throughout the entire process. All of our clients love working with him. Highly recommend!

Bill S.

google

Working with Glenn was a great experience. He was patient, clear, and really went to bat for me when the loan felt complicated. He explained every step, kept me updated, and made something stressful feel very manageable. I always felt like I was in good hands.. We will definitely be doin business again thank you Glenn!!

Jhonathan C.

google

I can't recommend Debora Valdes highly enough for your mortgage needs. Her expertise and professionalism are truly outstanding. From our very first meeting, she demonstrated an in-depth understanding of the mortgage process and tailored her approach to fit my unique situation. Debora's commitment to timely service was impressive. She worked diligently to ensure that my mortgage was processed quickly, without sacrificing quality. I always felt informed and supported, thanks to her clear communication and prompt responses to my inquiries. If you're seeking a knowledgeable and dedicated mortgage professional, Debora is the one to choose. She goes above and beyond to make the experience as smooth as possible. Trust me, you’ll be in great hands!

Geraldo S.

google

If you're looking for a mortgage expert, look no further than Debora Valdes. From start to finish, Debora exemplifies professionalism and efficiency. Her extensive knowledge of the mortgage industry not only made the process seamless but also gave me confidence that I was making the right decisions. Debora's responsiveness and attention to detail are truly remarkable. She took the time to answer all my questions, ensuring I understood each step along the way. Her ability to secure my mortgage in a timely manner was impressive, and she kept me informed throughout the entire process. In a world where customer service can often fall short, Debora stands out as an exceptional professional. I wholeheartedly recommend her to anyone in need of mortgage assistance. You won't be disappointed!

Roger C.

google

(Translated by Google) I want to express my sincerest gratitude to Débora Valdez, who provided us with truly extraordinary service throughout our entire process with the bank when buying our first home. From the very first moment, she was incredibly professional, kind, patient, and dedicated. She was always attentive to our needs, answered our questions with great clarity, and guided us every step of the way, making what could have been a complicated process feel much easier and more stress-free. It's clear when someone truly loves what they do and cares about their clients. Débora did much more than simply help us with paperwork; she made us feel supported, heard, and in good hands. We are deeply grateful for all her hard work, dedication, and excellent service. Without a doubt, we recommend Débora 100%. Thank you so much for everything! ❤️👏 (Original) Quiero expresar mi más sincero agradecimiento a Débora, Valdez, quien nos brindó una atención verdaderamente extraordinaria durante todo nuestro proceso con el banco en la compra de nuestra primera casa. Desde el primer momento fue muy profesional, amable, paciente y comprometida. Siempre estuvo pendiente de nosotros, respondió nuestras preguntas con mucha claridad y nos acompañó en cada paso, haciendo que un proceso que podía ser complicado se sintiera mucho más fácil y tranquilo. Se nota cuando una persona realmente ama lo que hace y se preocupa por sus clientes. Débora hizo mucho más que simplemente ayudarnos con un trámite; nos hizo sentir apoyados, escuchados y en buenas manos. Estamos profundamente agradecidos por todo su trabajo, dedicación y excelente servicio. Sin duda alguna, recomendamos a Débora al 100%. ¡Muchas gracias por todo! ❤️👏

Monica S.

google

Marco made himself available to help us identify the right product for our home purchase. He was responsive, helpful and very easy to work with. I would recommend.

Rsw

zillow

"Had an amazing experience working with Justin and the team at Total Mortgage. Buying a home can be incredibly stressful, but Justin was professional, highly responsive, and kept me updated every step of the way. He made the entire loan process feel seamless and stress-free. I highly recommend Justin and Total Mortgage to anyone looking to buy or refinance!"

Heidi R.

google

(Translated by Google) My experience with Débora throughout the entire home financing process was excellent. From the beginning, she demonstrated great professionalism, competence, responsibility, and attentiveness, always available to clarify our doubts and explain each step clearly. A key differentiator that I consider very important is the fact that she speaks Portuguese. For us Brazilians living in the United States who don't have complete fluency in English, being able to count on a professional who speaks our language makes all the difference, especially in a process as important as financing a home, which involves documents, values, contracts, and a lot of information that needs to be well understood. Being able to converse in Portuguese and have all our questions answered gave us much more security and peace of mind throughout the process. Without a doubt, I recommend Débora for her professionalism, knowledge, attentiveness, and the quality of her work. (Original) Minha experiência com a Débora durante todo o processo de financiamento da nossa casa foi excelente. Desde o início, ela demonstrou muito profissionalismo, competência, responsabilidade e atenção, sempre disponível para esclarecer nossas dúvidas e explicar cada etapa com clareza. Um diferencial que considero muito importante é o fato de ela falar português. Para nós, brasileiros que vivemos nos Estados Unidos e não temos total domínio do inglês, poder contar com uma profissional que fala a nossa língua faz toda a diferença, principalmente em um processo tão importante como o financiamento de uma casa, que envolve documentos, valores, contratos e muitas informações que precisam ser bem compreendidas. Poder conversar em português e tirar todas as nossas dúvidas nos trouxe muito mais segurança e tranquilidade durante todo o processo. Sem dúvida, recomendo a Débora pelo seu profissionalismo, conhecimento, atenção e pela qualidade do seu trabalho.

Lucia A.

google

Glenn was amazing! He walked me through everything and responded to me whenever I had questions or concerns. I’m so happy and grateful for his help every step of the way.

Amanda A.

google

Preguntas frecuentes sobre hipotecas en California

What is considered a good mortgage interest rate?

When exploring mortgage rates, it's essential to evaluate not only the interest rate but also consider additional loan terms such as annual percentage rates (APRs), fees, and closing costs. A comprehensive comparison of loan specifics from multiple lenders is crucial in identifying the most advantageous deal tailored to your circumstances.

Should I lock my mortgage rate?

Mortgage rates are subject to frequent and unpredictable changes. Contemplating locking your mortgage rate may be prudent under the following conditions:

  • Rising rates: If there's a sustained upward trend in rates over several weeks or months, securing your rate ensures it won't exceed the initially qualified rate.
  • Federal Reserve meeting: Anticipating a potential rate increase during a Federal Reserve meeting, consider locking your rate before the meeting for financial security.
  • Desire for financial certainty: Locking your rate guarantees a stable monthly mortgage payment, shielding you from unexpected changes.
  • Set closing date: If your closing date is fixed with no expected delays, securing your rate is a strategic decision.

How long does a mortgage rate lock last?

The specific lock-in period may vary, but generally, you can secure a mortgage rate for 30 to 60 days. Once the rate lock expires, unless the lender agrees to an extension, the initially locked rate is no longer guaranteed. Changes in factors like credit score, loan amount, debt-to-income ratio, or appraisal value during the lock-in period could potentially void the initial rate lock.

Is it possible for me to negotiate my mortgage rates?

Depending on your credit qualifications and willingness to obtain quotes from multiple lenders, negotiating a lower mortgage rate may be feasible. Another option is purchasing mortgage points, where paying a percentage of the interest upfront can reduce the interest rate and monthly payments. A mortgage point is equivalent to approximately 1% of the total loan amount, translating to around $2,500 on a $250,000 loan.

How are interest rates determined?

Lenders establish interest rates for their loan products, influenced by factors such as the Federal Reserve's actions, economic conditions, and consumer demand. Changes in short-term rates by the Federal Reserve can prompt lenders to adjust mortgage rates. Individual considerations, including credit score, down payment, income, as well as the varying levels of risk and operational expenses for lenders, can also impact mortgage rates.

How frequently do mortgage rates change?

Mortgage rates can vary daily, influenced by factors like inflation, the bond market, and the overall housing market.

Speak to a California mortgage expert

Habla con un experto hipotecario en California hoy