Specializing in California Home Mortgages, California Refinance Loan, Modesto Mortgage, Modesto Real Estate, Modesto Refinance, Modesto Home Loan

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California Home Mortgages

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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 California home mortgages. I am a Mortgage Consultant serving all 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 California home mortgages.

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

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

Modesto 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 mortgages 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 California home mortgages 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.

California Home Mortgages Report:

I want to include an example of one of our FREE reports that can help you understand more about buying a home:

6 Tips for the First Time Home-buyer: What to know before you sign on the dotted line

Youíre ready to take that big step. You have enough in your savings for a down payment and youíve decided itís finally time to own your home. Buying a home is a complicated and even frustrating experience for everyone, but for first time buyers there is all sorts of added pressure. Just remember that veteran home buyers face the same concerns and confusion that you do Ė itís just they have a little bit more experience coping with that pressure.

Here are a few tips if youíre just starting out in the property game.

Check Your Finances

You want to make sure that your finances are in order and that you have enough money to proceed with your dream of owning your own home. It is important that you take a look at your credit history before you apply for a mortgage so that you can clear up any mistakes or irregularities. You also want to have a good idea of what you can afford before looking at properties. You only want to look at homes that are within your budget and knowing what you can realistically afford before you start looking and sticking to that budget may save a lot of disappointment down the road.

Do Your Research

Before you begin house shopping, you need to know what youíre looking for. You need to know what kind of house and area you want to live in. Prepare a list of questions that you could yourself when looking at a potential property. These questions might include:
Is the neighborhood safe?
Is the house big enough for our needs now and in the near future?
Are there schools?
Is it close to work? If not, how much time will I spend commuting?
Is there public transportation?
What condition is the house in? What repairs will I have to make right off the bat?
What about re-sale value? Will I be able to make some money when I sell the house in a few years?
If you are planning on applying for a California home mortgages, youíll also want to do some research on the different types and terms of mortgages that would be available to you.

Find the Right Real Estate Agent

Whether youíre buying or selling, itís important you also do your research where a real estate agent is concerned. A good real estate agent will be knowledgeable of the housing market in the area youíre looking in and he or she will be able to answer most if not all of the questions you have about this process. It is important to build a strong relationship right from the start Ė it will make things much easier down the line. Youíll want to make sure that you find an agent that will keep your best interests (not the sellers or the agentís own interests) first.

Put that Offer In

This can be a difficult part of the process for both the buyer and the seller. The buyer does not want to overpay or go beyond his or her budget, but at the same time token a seller does not want to give away the home. There are other factors to consider, especially a contract that outline what will and will not be included in the home (i.e. appliances).

Home Inspection

In some places this inspection occurs before you sign the final deal, while in others it is after it is finalized. This is an important step Ė you want to know exactly what youíre getting yourself in to when purchasing a home. If there are problems with the home, you want to know that right off the bat, not a few months down the road.

Closing the Deal

Closing (also referred to as settlement) is when the ownership of the property is transferred to you (the buyer).

What about buyerís remorse? A lot of people experience it. You love your home when first see it and you canít wait to move in, but once there you begin to have your doubts. Did I pay too much? Can I afford to do this? Is this really the perfect house or should I have held out a bit longer to see if anything else came on the market? These thoughts go through the minds of almost anyone who has bought a home at some point, but they can certainly be overwhelming for the first time home buyer. Just trust your instincts and try to remember what made you fall in love with the house in the first place!

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

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What others are saying...
No complaints, went smoothly from start to finish. Thank you!

Alex O. - San Luis Obispo

I really enjoy working with Joe. He is extremely professional and knowledgeable. I have continued to refer people to him.

Dianna P. - Kensington
I would recommend Joe to anyone. He was more than helpful. He is an asset to your company.

Angelica J - Oildale
I live out in Texas, and I am going to retire in California. I used the mortgage services of Joe to buy a very beautiful home in Laguna Niguel, CA at a very reasonable and affordable price. The loan process was the least problem of any property, or escrow, that I have ever purchased, even though I was applying and closing from out of state. Joe was very clear in what was needed, what to expect, and, when to expect decisions and other important dates. Everything promised by him was delivered with no delay, no problems, and no last minute surprises. After what I have experienced in buying many properties in Texas, I was amazed by the smooth transition from beginning of the loan process to closing. I can recommend the services of Joe and Universal Lending and Real Estate Inc. with confidence and with a history of complete satisfaction.

Mindy E. - Laguna Niguel

Thanks for all your help, Joe. I enjoyed working with you on my California refinance loan in September and will certainly use you the next time around.

Tommy R. - Denair

I would not hesitate to recommend Joe or your company to any of my friends. It was a pleasure working with Joe.

Blake W. - Squaw Valley

Joe helped guide me through every step of my California home mortgages process. He provided me with expert insight and guidance and was a pleasure to do business with. I worked with Joe for over a year during the construction of a new home and he really helped keep the mortgage process under control. He was excellent to do business with and I have and will continue to recommend him to friends and colleagues that are looking for a California home mortgages professional they can trust!

Andy H. - Madera

The home buying experience was made pleasurable by Joe. Him and his team are wonderful to work with.

Victor A. - Barstow

I was very pleasantly surprised by the manner in which this transaction progressed, your updating on activities and the closing on time as promised. I will enter into many future transactions with you with new found confidence.

Cyril N. - Los Angeles

I needed cash bad. I had too many bills, I had bad credit, bankruptcy, you name it, I had it wrong. I don't know how he did it, but Joe was able to get me a California refinance loan, so I could get out of debt. Now, all my debts are paid off and I can start to repair my credit. Thanks Joe.

Phil P. - Redding

Joe did a great job for us in refinancing our California home mortgages and credit card debt. With his assistance, we were able to cut our monthly payments in half, and have only one payment to make. Thanks Joe!

Tajon S. - Oakland

Very responsive to all of my questions and concerns.

Gladys N. - Murrieta

I found Joe to be not only extremely honest and credible, but very knowledgeable in the California home mortgages industry. He was very forthcoming from the beginning regarding all of the information and documentation I would need to provide.

Ralph G. - Redding
Being a first time home-buyer I was new to the whole mortgage process. Joe made us feel comfortable and explained things every step of the way. Not only would I use Joe again, but I would refer him to friends and family as well.

Arlene D. - Paso Robles

Joe was highly professional and friendly. His information was precise and clean. He took every effort to make the process easy for us.

Janet H. - Clovis