Own Your First Home With Ease
FAQs
There are several mortgage types, including fixed-rate, adjustable-rate (ARM), FHA, VA, and USDA loans. The best mortgage for you depends on your financial goals, credit score, down payment, and how long you plan to stay in the home. We will analyze your specific needs and recommend the best option to suit your financial situation and future plans.
To apply for a mortgage, you'll need to provide proof of income (pay stubs, tax returns), credit history, bank statements, and information about your assets and debts. Additionally, you'll need identification and details about the property you're purchasing. Our team will give you a detailed checklist and assist you in gathering all necessary documents to streamline the application process.
Improving your credit score involves paying down debts, making timely payments, disputing any errors on your credit report, and avoiding new credit inquiries. We recommend checking your credit score several months before applying for a mortgage to give yourself time to make improvements. Our advisors can provide specific strategies tailored to your financial situation to help boost your credit score and secure a better rate.
First time Home Buyer
"My wife and I, as out-of-state buyers, are incredibly grateful to Jack for his exceptional assistance in purchasing our new home in Colorado Springs. Introduced by my cousin, who had a positive experience with him in the past, Danny made the entire process stress-free. From exploring loan options to understanding rates, his guidance was invaluable, alleviating our initial concerns about managing the purchase from a distance.” - Frank H.
"Re-Finance"
"I still can't believe that I have experienced the most easiest, friendliest, professionally, and non judgmental mortgage refinance. And I have had some very bad mortgage experiences from the moment I called my now previous mortgage holder. For someone like myself with just a Fair Credit Score, Danny did an awesome, easy and quick home refinance approval without any hard issues.. They didn't automatically disqualify me or put me on the back burner, or last on the service list. They treated me like I had the best credit ever. As long as you respond to their request promptly, everything will flow through easily. Like I said, it just seemed too good to be True!!! But this was my True real exceptionally great experience with Jack. I strongly wanna tell the World how Real and Fabulous he is. I didn't have to leave my home for anything. Thank you ever so very much." - Kyradiah
"Highly recommend this"
"The entire loan process was handled in a very professional manner, from beginning to end.." -David A. V.
"My life changed forever"
"Jack Kammer always provides a high quality of service. He is the best in the business." -
Ralene N.
Office:
2655 Camino Del Rio N #100
San Diego, CA 92108
Call
(866) 815-1803
Email: