Address
26800 Aliso Viejo, St. 200
Aliso Viejo, CA 92656
Licensing
Don Peart MLO # 308153
DBO license # 41-DBO-46011
NMLS # 167867
We built a mortgage company that places you and your needs at the center of everything we do. We are a dynamic finance team dedicated to delivering best-in-class service.
Fixed-rate mortgages keep the same interest rate over the life of your loan, which means your monthly mortgage payment always stays the same. Fixed loans typically come in terms of 15 years, 20 years or 30 years.
Unlike the stability of fixed-rate loans, adjustable-rate mortgages (ARMs) have fluctuating interest rates that can go up or down with market conditions. Many ARM products have a fixed interest rate for a few years before the loan changes to a variable interest rate for the remainder of the term. Look for an ARM that caps how much your interest rate or monthly mortgage rate can increase so you don’t wind up in financial trouble when the loan resets.
VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.
An FHA loan is a mortgage insured by the Federal Housing Administration. Allowing down payments as low as 3.5%. FHA loans are helpful for buyers with limited savings or lower credit scores.
A 30-year fixed-rate mortgage is a home loan that maintains the same interest rate and monthly principal-and-interest payment over the 30-year loan period. With a rate that lasts the length of the loan, you’ll want the best rate you can get. Since your rate is most directly impacted by your credit score and down payment, you’ll want to make sure your credit file is accurate — and make a down payment that’s as much as you can easily afford.
You can save money and build home equity faster with a 15-year mortgage than with a 30-year mortgage. But the monthly mortgage payment will be higher on a 15-year mortgage because there is less time to pay off the loan.
To apply online, simply complete our application form and we will back to you as soon as possible.
Apply Online26800 Aliso Viejo, St. 200
Aliso Viejo, CA 92656
Don Peart MLO # 308153
DBO license # 41-DBO-46011
NMLS # 167867
