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California Home Purchase Fixed Rate

Mortgage Loan Programs

For those planning to stay in a home for more than five years

  • Fixed-rate mortgage for rate stability
  • Fixed payments for the life of your loan
  • Protects from rising home loan rate increases
Loan Program Why select this loan type? Loan Feature(s)

Basic 40-year Fixed Rate Loan

 Plan to keep the home for more than 5 years
or
To afford a higher-value home
  • Lower monthly payments than a 30-year loan
  • Monthly payments that will never increase
  • Locks in interest rates

Basic 30-year Fixed Rate Loan

 A belief that interest rates will rise
or
Plan to keep the home for more than 5 years
  • Monthly payments that will never increase
  • Locks in interest rates

Basic 20-year Fixed Rate Loan
To build equity quickly and pay off the loan faster
or
Plan to keep the home for more than 5 years
  • Monthly payments that will never increase
  • Lower interest payments over the life of the loan
  • Locks in interest rates

Basic 15-year Fixed Rate Loan

 To build equity quickly and pay off the loan faster
or
Plan to keep the home for more than 5 years
  • Monthly payments that will never increase
  • Lower interest payments over the life of the loan
  • Typically, the lowest rates available on a fixed loan

FHA Loan

 Cannot afford a large down payment or have little equity available
or
Less than perfect credit
  • Insured by the Federal Government
  • Down payment as low as 3%
  • No minimum credit score or area income limits

Stated Income Loan

 Self-employed and will have difficulty documenting a large portion of income
  • No tax returns or W-2s required
  • No income verification required

Cash-Out Refinance

 Cash out some equity in current home, but prefer not to have a second mortgage payment
  • Pays off current mortgage in one lump sum
  • One loan, one payment
  • Usually offers lower interest rates than credit card debts

 

 

Mortgage Realty Professionals Services has been lending in California since it opened its doors in 1999. Now serving all of your home lending needs in California, Utah, Oregon, and Colorado.

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Home Purchase
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Daniel Benitez, Mortgage Realty Professionals, Inc.
daniel@mrpservicesinc.com
Phone: 619-243-0875, Mobile: 619-507-9803, Fax: 619-243-0881
2389 5th AVENUE, SAN DIEGO, CA. 92101

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