Specializing in Mortgage in California, California Home Loan, Bakersfield Mortgage, Bakersfield Real Estate

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Mortgage in California

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Dear Neighbor,

My name is Joe Almirantearena. I want to thank you for taking the time to visit my website, where I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current mortgage in California. I am a Mortgage Consultant serving the entire State of California.

FREE Home Buying Guide Reveals The Insider Tips Big Banks Don't Want You To Know...
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Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their mortgage in California.

Although sharing these secrets may not make me popular with the other California home loan lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a mortgage in California. So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the California home loan process.

To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.

California Home Loan

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking to refinance your mortgage in California, you will find that this site is a complete resource full of insider secrets that will allow you to choose the California home loan program best suited to your financial needs.

Bakersfield Mortgage

I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the California home loan you need for the home you want.

Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me in my California office at 800-785-4952. I am here to help you with all your mortgage in California needs.

Got a Quick Question You Want Answered Today?

Click the "Ask A Question" button below to send us a message by email or feel free to call my California office at 800-785-4952.

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Before you leave, make sure you review the California Home Buying Resources, Insider Reports and Mortgage Calculators. All are designed to help guide you through the home buying process so you avoid making costly mistakes.

Mortgage in California Report:

I want to include an example of one of our FREE reports that goes over just how important credit scores are to securing a California home loan:

A Risky Proposition – How Your Score Matters

Ever wonder just how far-reaching your credit score really is? The short answer: very. Your credit score affects nearly all of your financial dealings, from the annual percentage rate that you pay on your credit card to whether you are able to purchase a cell phone.

Your credit score is of particular interest to lending institutions. Nearly 75 percent of all lenders assess your credit score when determining whether to grant a loan. If you plan on ever buying a house and car, or purchasing car or homeowner’s insurance, expect lenders to examine your credit score very carefully. A bad credit score will make most lenders think twice—they don’t want to lend to individuals who appear to be a risky proposition. A bad credit score could keep you from getting that dream house or purchasing a new car, and could even threaten the possibility of getting a job. So what’s the easiest way to ensure that you’ll be approved for a loan? Become familiar with your credit report and score. The more you learn about your credit score, the less likely you’ll be of becoming a risky proposition.

Why all the fuss over a simple three-digit number? Examining how your credit score is calculated may provide insight into why some lenders may choose to deny your loan application. Your credit score is calculated using several data pulled from your financial records. These include: the number and types of credit cards you use, your payment history, the amount of money you owe, the number of years you’ve had a history on file, and whether you have any new credit.

Which of these things carries the most weight in determining your credit score? Approximately 35% of your credit score is determined by your payment history. Your payment history refers to a number of factors, including the different types of payments you regularly make (examples of payments include standard major credit cards, department store credit cards, mortgages, and car loans), and whether you have missed or paid late on any payments. Included in your payment history is information regarding any bankruptcies, liens, judgments, foreclosures, wage garnishments, or law suits that have been recorded. If your payment history reflects that you don’t have much debt and usually pay your bills on time, you can expect your credit score to reach into the upper brackets. Conversely, if your payment history reflects a pattern of missed or late payments, and you have a significant amount of outstanding debt, you can expect your credit score to be much lower.

Another large chunk of your credit score is determined by the total amount of debt you carry. This includes all the amounts you owe on different credit card accounts, as well as installment payments such as car or student loans. Also of importance is the different kind of debt you carry, such as credit card debt versus mortgage and car loan payments. If you carry a lot of debt on a high-interest, long-standing credit card account, you can expect this scenario to hurt your credit score significantly. Another scenario, however, could have a much different effect on your credit score. For instance, an individual who pays a lot, mostly due to their mortgage payment, will likely have a higher credit score than a person who pays a lot because of debt on their credit card.

Now that you have a better idea of how your credit score is calculated, you can understand why lending institutions may be wary in lending to individuals or small business with a low credit score. Lenders can interpret a low credit score to mean that you have a high amount of outstanding debt and a history of missing payments (or both). Unfortunately, even if you are approved for a loan, chances are that a low credit score will saddle you with very high interest rates. Before you approach a lender, be certain you know your credit score. This gives you the opportunity to clear up any discrepancies or inaccuracies that may be on your credit report before your score is scrutinized by lenders.

We service clients statewide, including every city and town in California.  Bakersfield Real Estate | Bakersfield Mortgage | California Home Loan | Mortgage in California

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What others are saying...
As a first time home buyer, Joe and his team made me and my wife feel at ease throughout the entire process. The communication was excellent.

Deana W. - Altadena
I highly recommend Joe!

Brian F. - Woodland Hills
Very good job - After several home closings over the years, this closing was by far the best.

Silvio L. - Palm Springs
I am VERY pleased with the service that I received, and I was 300 miles away from my mortgage consultant! After finding a home that my wife and I "agreed to", we were closing the loan in 3 weeks! Joe knew what was needed, and asked for this information on a checklist form, again to speed up the process. Joe's a keeper.

Lila G. - Merced

Thanks so much for the smooth, professional work on my clients' mortgage in California and managing an early closing too! You're one of the best people around! Hope we can do business together in the near future.

Tom L. - Santa Maria

Joe was a miracle worker. He had so much to do for me in such a short time and he came through like a champ. I would recommend him to anyone.

Kara D. - Manhatten Beach

Already the Best!! We will use Joe again if we move to another residence.

Steve C. - Placerville
I would like to thank you Joe for all your diligence and persistence on refinancing my multi-family home.

Eugene R. - Perris
Joe helped us with a reverse mortgage so we could afford to stay in our home.

Arnold F. - San Jacinto
I want to take this opportunity to provide some feedback on Joe. Because of the unique situation I was in being overseas in Iraq, I was extremely selective when I was looking for a company to handle my refinance. Of all the contacts I made during this process, Joe was the one who took a vested interest in the difficulties that I was facing being overseas and having my wife act on my behalf as the power of attorney. The other mortgage companies I dealt with treated my situation like it was going to be extra work for them and that it didn't probably make good business sense to spend a lot of time on me. From the beginning, Joe took all the applicable information and helped me decide on the best course of action for my refinance. He took a vested interest, not only because he was going to get a commission, but I truly felt that he wanted to make this process as easy as possible for me. I will highly recommend Joe to any of my associates that may be in the market for a California home loan.

Devon J. - Famoso

Joe has been a great help on the purchase of our current home as well as our refinancing. He went above and beyond his job duties each time to make sure the initial purchase and subsequent refinance were handled timely by all parties involved.

Alan B. - Hemet
I was very satisfied with the whole experience. Thanks for a painless process and all your professionalism.

Darryl R. - Bakersfield