One of the first and biggest decisions you will need to make when applying for a mortgage is what type of home loan you want.
With a large network of lenders, Joshua Barton, Broker offers many different mortgage products for customers with different requirements. Our experts can connect you with the flexible, competitive financing you need to purchase a home, refinance, invest, or pursue other goals.
A conventional mortgage is one that is not insured by a government agency. A conforming conventional home loan falls inside the Fannie Mae and Freddie Mac loan limits, and may have a down payment requirement as low as 3%.Learn More
This type of mortgage is insured by the Department of Veterans Affairs. VA loans are available to eligible service members, veterans, and surviving spouses. Features include zero down payment, no PMI requirement, and affordable interest rates.Learn More
If you need to borrow beyond what you can with the Fannie Mae and Freddie Mac loan limits for conforming mortgages, you can purchase a home with a non-conforming jumbo loan.Learn More
As a senior, you can borrow against the equity in your home with a reverse mortgage. This is a way of increasing cash flow during retirement without needing to leave your home.Learn More
Are you shopping for your first home in California? If so, you will need to find the right mortgage product. We can walk you through the process step by step, connecting you with the ideal loan product to purchase your first home. We also can provide you with guidance regarding your credit score and down payment assistance.Learn More
It can be difficult for many first time homebuyers to figure out what type of mortgage is most suitable. Even repeat homebuyers may need some guidance in making this decision.
During your consultation, we can discuss your financial situation in detail, going over the factors that can impact eligibility. Some of these include:
We also can talk about your goals for the future and which lending products may be ideal for helping you to achieve those goals.
Are you ready to find the right type of lending product to move into a home in California, invest in real estate, or achieve other goals? Joshua Barton, Broker is ready to connect you with your ideal mortgage. To get started now, please give us a call today at (760) 692-4662 to schedule your consultation.
Joshua Barton, Broker is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.