California Platinum Loans: Recent Episodes
California Platinum Loans
We believe that excellent service and a reputation for honesty, integrity, and reliability are just as important as interest rates and closing costs.
Fahad Karamat started California Platinum Loans after being in the Real Estate industry for over 14 years. Working with buyers and sellers of both residential and commercial real estate Fahad saw the many hurdles and issues that often faced all parties in the transaction. These issues included but were not limited to communication or lack thereof, understanding and meeting deadlines, between realtors, mortgage brokers, mortgage lenders, escrow officers, title officers, and principals such as buyers and sellers.
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Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can’t get approved for private mortgage insurance should look into FHA loans.
Visit Us:- https://californiaplatinumloans.com/fha-loans/
Applying for a mortgage can be overwhelming with all the requests, forms, and procedures. Add in some terms like WVOE — Written Verification of Employment — and it could be even more confusing. We decided to clear a bit of this information up for you. You don’t always need a WVOE to get a home loan. WVOE is another term for Fannie Mae’s Form 1005, a standard form that has been given out for years to verify employment status and income when qualifying borrowers for mortgages.
Visit Us:- https://californiaplatinumloans.com/whats-written-verification-written-verification-employment-help-us-get-mortgage-home-we-need/
We’re making getting a mortgage is easier than ever before. California Platinum Loans has an experienced team of brokers on staff. Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.
Visit Us:- https://californiaplatinumloans.com/
Online real estate service zillow has a home buying program in 24 states. It stopped the program on march 23, 2020, due to covid-19. As the pandemic has continued, home buying and selling have been changed in every state, including ones with no “stay at home” or “shelter in place” orders. In california, after initial disruption due to covid-19, by the last week of march.
Visit Us:- https://californiaplatinumloans.com/covid-19-causes-zillow-to-pause-its-home-buying-program/
If you have an FHA loan, you may be getting tired of paying mortgage insurance every month in addition to your house payment and property taxes. There are so many advantages to FHA loans, but they do require you to pay mortgage insurance, sometimes called MIP (mortgage insurance payments). On a conventional mortgage, mortgage insurance can also be called PMI (private mortgage insurance).
Visit Us:- https://californiaplatinumloans.com/have-an-fha-home-loan-stop-wasting-your-money-now/
The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair, or renovate a home in a rural area. Some of the popular types of loans are the single-family direct homeownership loan, the single-family guaranteed homeownership loan, the rural repair and rehabilitation loan or grant, and the mutual self-help loan.
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An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
Visit Us:- https://californiaplatinumloans.com/fha-loans/
We’re here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE VA Loan Qualifier. We’ll help you clearly see the differences between loan programs, allowing you to choose the right one for you – whether you’re a first-time home buyer or a seasoned investor.
Visit Us:- https://californiaplatinumloans.com/va-loans/
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
Visit Us:- https://californiaplatinumloans.com/fha-loans/
We’re here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
Visit Us:- https://californiaplatinumloans.com/fha-loans/
Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable. We’re making getting a mortgage is easier than ever before. California Platinum Loans has anexperienced team of brokers on staff.
Visit Us:- https://californiaplatinumloans.com/
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
Visit Us:- https://californiaplatinumloans.com/fha-loans/
We’re making getting a mortgage is easier than ever before. California Platinum Loans has an experienced team of brokers on staff. Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.
Visit Us:- https://californiaplatinumloans.com/
A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2010, the limit is $417,000 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $625,500. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk.
Visit Us:- https://californiaplatinumloans.com/jumbo-loans/
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
Visit Us:- https://californiaplatinumloans.com/fha-loans/
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
Visit Us:- https://californiaplatinumloans.com/va-loans/
We’re making getting a mortgage is easier than ever before. California Platinum Loans has an experienced team of brokers on staff. Secure the right home purchase loan to turn your dream of homeownership into a reality! By securing Favorable Terms and finding the Best Possible Rates for Your Individual Monthly Budget!
Visit Us:- https://californiaplatinumloans.com/
A reverse mortgage pays off your existing mortgage, should you have one, by allowing you access to the home equity you’ve worked so hard to build. Any money left after paying off your existing mortgage is available to use as you see fit. A reverse mortgage is a loan for seniors age 62 and older. Hecm reverse mortgage loans are insured by the federal housing administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.
Visit Us:- https://californiaplatinumloans.com/reverse-mortgage
A VA loan is a mortgage loan in the united states guaranteed by the U.S Department of veterans affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible american veterans or their surviving spouses (provided they do not remarry). We’re here to make the VA home loan process a whole lot easier.
Visit Us:- https://californiaplatinumloans.com/va-loans/
There are many benefits, including: financing available up to $2.5 million; the convenience of one loan for the entire loan amount instead of having multiple mortgages; competitive pricing and more. A jumbo loan is a loan that exceeds the conforming loan limits as set by fannie mae and freddie mac. As of 2010, the limit is $417,000 for most of the us, apart from Alaska, Hawaii, Guam, and the U.S.
Visit Us:- https://californiaplatinumloans.blogspot.com/2021/05/jumbo-loans-california-california.html
There are many benefits, including: financing available up to $2.5 million; the convenience of one loan for the entire loan amount instead of having multiple mortgages; competitive pricing and more. A jumbo loan is a loan that exceeds the conforming loan limits as set by fannie mae and freddie mac. As of 2010, the limit is $417,000 for most of the us, apart from alaska, hawaii, guam, and the u.s.
Visit Us:- https://californiaplatinumloans.blogspot.com/2021/05/jumbo-loans-california-california.html
A va loan is a mortgage loan in the united states guaranteed by the u.s. Department of veterans affairs (va). The loan may be issued by qualified lenders. The va loan was designed to offer long-term financing to eligible american veterans or their surviving spouses (provided they do not remarry). We’re here to make the va home loan process a whole lot easier.
Visit Us:- https://californiaplatinumloans.com/va-loans/
A reverse mortgage pays off your existing mortgage, should you have one, by allowing you access to the home equity you’ve worked so hard to build. Any money left after paying off your existing mortgage is available to use as you see fit. A reverse mortgage is a loan for seniors age 62 and older. Hecm reverse mortgage loans are insured by the federal housing administration (fha) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.
Visit Us:- https://californiaplatinumloans.com/reverse-mortgage/
Applying for a mortgage can be overwhelming with all the requests, forms, and procedures. Add in some terms like WVOE — Written Verification of Employment — and it could be even more confusing. We decided to clear a bit of this information up for you. You don’t always need a WVOE to get a home loan. WVOE is another term for Fannie Mae’s Form 1005, a standard form that has been given out for years to verify employment status and income when qualifying borrowers for mortgages.
Website URL:- https://californiaplatinumloans.com/whats-written-verification-written-verification-employment-help-us-get-mortgage-home-we-need/
Applying for a mortgage can be overwhelming with all the requests, forms, and procedures. Add in some terms like WVOE — Written Verification of Employment — and it could be even more confusing. We decided to clear a bit of this information up for you. You don’t always need a WVOE to get a home loan. WVOE is another term for Fannie Mae’s Form 1005, a standard form that has been given out for years to verify employment status and income when qualifying borrowers for mortgages.
Website URL:- https://californiaplatinumloans.com/whats-written-verification-written-verification-employment-help-us-get-mortgage-home-we-need/
When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan. The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer.
Website URL:- https://californiaplatinumloans.com/30-year-fixed-rate-mortgage/
A reverse mortgage pays off your existing mortgage, should you have one, by allowing you access to the home equity you've worked so hard to build. Any money left after paying off your existing mortgage is available to use as you see fit. A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.
Website URL:- https://californiaplatinumloans.com/reverse-mortgage/
When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan. The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer.
Website URL:- https://californiaplatinumloans.com/30-year-fixed-rate-mortgage/
A reverse mortgage pays off your existing mortgage, should you have one, by allowing you access to the home equity you've worked so hard to build. Any money left after paying off your existing mortgage is available to use as you see fit. A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.
Website URL:- https://californiaplatinumloans.com/reverse-mortgage/
The main benefit of these loans is that they give you the ability to buy a home in need of repairs that you might not otherwise have been able to afford to buy. Plus, the down payment requirements are minimal, and often you get decent interest rates. An FHA 203K loan is a loan backed by the federal government and given to buyers who want to buy a damaged or older home and do repairs on it.
Website URL:- https://californiaplatinumloans.com/203k-loans/
When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan. The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer.
Website URL:- https://californiaplatinumloans.com/30-year-fixed-rate-mortgage/
A reverse mortgage pays off your existing mortgage, should you have one, by allowing you access to the home equity you’ve worked so hard to build. Any money left after paying off your existing mortgage is available to use as you see fit. A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.
Website URL:- https://californiaplatinumloans.com/reverse-mortgage/
The main benefit of these loans is that they give you the ability to buy a home in need of repairs that you might not otherwise have been able to afford to buy. Plus, the down payment requirements are minimal, and often you get decent interest rates. An FHA 203K loan is a loan backed by the federal government and given to buyers who want to buy a damaged or older home and do repairs on it.
Website URL:- https://californiaplatinumloans.com/203k-loans/
When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan. The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer.
Website URL:- https://californiaplatinumloans.com/30-year-fixed-rate-mortgage/
A reverse mortgage pays off your existing mortgage, should you have one, by allowing you access to the home equity you’ve worked so hard to build. Any money left after paying off your existing mortgage is available to use as you see fit. A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.
Website URL:- https://californiaplatinumloans.com/reverse-mortgage/
When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan. This loan is fully amortized over a 15 years period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast.
Website URL:- https://californiaplatinumloans.com/15-year-fixed-mortgage/
When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.
Website URL:- https://californiaplatinumloans.com/30-year-fixed-rate-mortgage/
Most homeowners get into adjustable-rate mortgages for the lower initial payment, and then usually refinance the loan when the fixed period ends. At that time, the interest rate becomes variable, or adjustable, and the homeowner would likely refinance into another ARM, something fixed, or sell the home outright.
Website URL:- https://californiaplatinumloans.com/adjustable-rate-mortgages/
Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can’t get approved for private mortgage insurance should look into FHA loans.
Website URL:- https://californiaplatinumloans.com/fha-loans/
Like their names, jumbo home mortgages and super jumbo home mortgages are large and even larger. In some counties in the U.S., a jumbo mortgage is any mortgage bigger than $484,350. This isn’t the case in Los Angeles and Orange counties. As higher-priced real estate markets, jumbo mortgages on single family homes in LA and Orange counties are any amount over $726,525. A super jumbo mortgage is typically one that is over $1.5M and in higher priced area’s in California, especially Southern California and in Northern California we routinely see super jumbo loans in the $10M to $20M loan amount range.
Website URL:- https://californiaplatinumloans.com/10-things-you-know-about-jumbo-mortgages/
Applying for a mortgage can be overwhelming with all the requests, forms, and procedures. Add in some terms like WVOE — Written Verification of Employment — and it could be even more confusing. We decided to clear a bit of this information up for you. You don’t always need a WVOE to get a home loan. WVOE is another term for Fannie Mae’s Form 1005, a standard form that has been given out for years to verify employment status and income when qualifying borrowers for mortgages.
Website URL:- https://californiaplatinumloans.com/whats-written-verification-written-verification-employment-help-us-get-mortgage-home-we-need/
A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2010, the limit is $417,000 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $625,500. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk.
Website URL:- https://californiaplatinumloans.com/jumbo-loans/
Need refinancing options on a home, or other real estates? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole. We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request.
Website URL:- https://californiaplatinumloans.com/refinance/
There are many benefits, as taken directly from the Veterans Affairs site: no down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property); buyer informed of reasonable value; negotiable interest rate and more. A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders.
Visit Us:- https://californiaplatinumloans.com/va-loans/
A reverse mortgage pays off your existing mortgage, should you have one, by allowing you access to the home equity you’ve worked so hard to build. Any money left after paying off your existing mortgage is available to use as you see fit. A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.
Visit Us:- https://californiaplatinumloans.com/reverse-mortgage/
Most homeowners get into adjustable-rate mortgages for the lower initial payment, and then usually refinance the loan when the fixed period ends. At that time, the interest rate becomes variable, or adjustable, and the homeowner would likely refinance into another ARM, something fixed, or sell the home outright.
Visit Us:- https://californiaplatinumloans.com/adjustable-rate-mortgages/
Get a FREE quote on a 30-year fixed rate mortgage & save thousands of dollars per year. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan. The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.
Visit Us:- https://californiaplatinumloans.com/30-year-fixed-rate-mortgage/
Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can’t get approved for private mortgage insurance should look into FHA loans.
Visit Us:- https://californiaplatinumloans.com/fha-loans/
Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.
Visit Us:- https://californiaplatinumloans.com/refinance/
Will the Corona Virus COVID-19 Crisis Affect Your Home Buying Plans? California Governor Newsom issues Lockdown Notice, Trump may issue National Lockdown. Learn How Virtual Selling and Open Houses Can Keep You Safe In response to the COVID-19 coronavirus pandemic, California governor Gavin Newsom announced that as of March 19, 2020, all Californians should stay at home except for essential activities like shopping for food and going to the pharmacy.
Visit Us:- https://californiaplatinumloans.com/will-the-corona-virus-covid-19-crisis-affect-your-home-buying-plans/
The Fed’s desire to bring mortgage rates down isn’t just damaging servicing portfolios because of prepayments, it’s also wreaking chaos in Lenders. For all those people and the many others still wondering or asking the same questions over what has been going on in the financial markets as it relates to mortgage financing and interest rates, I want to provide a copy of the article my mentor Barry Habib wrote yesterday March 26th 2020 along with Dan Habib.
Visit Us:- https://californiaplatinumloans.com/fed-unintended-consequences/