Specializing in Los Angeles Mortgage Loan, Los Angeles Mortgage, Los Angeles Real Estate, Los Angeles Refinance, Los Angeles Home Loan, LA Mortgage, LA Mortgage Loan, LA Home Loan, LA Refinance, LA Real Estate

You Are About To Discover All The Information You Need To Make An Informed Decision About Obtaining A

Los Angeles Mortgage Loan

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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 Los Angeles mortgage. I am a Los Angeles Mortgage Consultant serving all of Los Angeles, and the surrounding areas.

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 Los Angeles mortgage loan.

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

Los Angeles Mortgage

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 Los Angeles refinance, you will find that this site is a complete resource full of insider secrets that will allow you to choose the Los Angeles mortgage loan program best suited to your financial needs.

Los Angeles Real Estate

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 Los Angeles mortgage loan you need for the home you want.

Los Angeles Refinance

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 at my Los Angeles office at 800-785-4952. I am here to help you with all your Los Angeles mortgage 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 Los Angeles office at 800-785-4952.

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

Los Angeles Real Estate Report

I want to include an example of one of our FREE reports that can help you determine the type of home you're looking for:

10 House buyer traps and how to avoid them.

1. Trusting tax assessments - Some people think that tax assessments are a way of evaluating a home. The difficulty here is that assessments are based on a number of criteria that may not be related to property values, so they may not necessarily reflect the homes true value.

2. Bidding without knowing - What price should you offer when you bid on a house? Is the seller's asking price too high? Are in front of a real deal? Before making one the biggest purchases of a lifetime, you should take a very close look at the real estate market in the area you're thinking of purchasing. Without the knowledge of the real market value of the houses you intend to visit, and ultimately purchase, your are more than likely to make a blind bid.

3. Getting the wrong house - Simple questions, like what do you want in a house, can have pretty complex answers. A lot of buyers get all excited at the prospect of finally owing their house. So excited and emotional, that sometimes they end up being the owner of a house that does not answer their needs. The house may be too big, or too small, or it's too far from work, or what looked like just a few small renovations is much more then expected. Take time now, before the buying process, and define what you really want in your house. Write it down.

4. Unclear house title - As soon as you start negotiating your new home, make sure that it is free and clear by having a title search done. One of the last things you want to learn later in the process is that there are taxes, leases or other liens on the property you are about to own.

5. Incorrect survey - When you make your offer to purchase, you have to make sure you request an up to date property survey that defines very clearly the boundaries of the property. You never know what type of changes may have occurred since the last survey (i.e. swimming pool, extension to the house, fence, etc.).

6. Surprise fix-ups - You just can't expect every seller to sell their home in perfect condition.  Remember the old saying: Buyer beware! You have to ensure that a complete inspection of the house is done before you sign anything. Or if you do sign, make sure it is conditional to your entire satisfaction after a house inspection. An independent inspector will check the house inside and out and give you a report outlining the items that needs to be fixed with the associated costs.

7. No pre-approval - You're not pre-approved! What are you waiting for!  It's fast, it's free, and it's easy.  Once you have a pre-approved los angeles mortgage, your house shopping is much easier. You will feel free and secure because you will know that the money you need to purchase your dream house will be there when you need it.

8. Seller neglect - If the home seller fails to do some repairs or to comply to any part of the purchase contract you will feel very frustrated. One way to avoid this is to agree, in the purchase contract, to put a fixed amount of money in an escrow fund that will cover the items the seller was supposed to attend to.

9. Hidden charges - Before you make your offer, make sure you made a list of all the costs associated with the purchase. The typical "forgotten" cost is usually a forgotten loan disbursement charge of some sort of underwriting fee. One way to avoid any hidden charges is to have the give you the total charges in writing.

10. Close too fast - This is a critical part of the whole buying process. Take your time, read all the paperwork a day or two before you sign. Have a lawyer go through it and make absolutely sure that all the paperwork reflects the transaction you are about to do. Double check everything, it's the best way to avoid a forgotten clause or to notice, not too late, that something has been added or subtracted. If there is a problem, you will have time to solve it before the closing day of your los angeles mortgage loan.

We service clients statewide, including every city and town in California.  Los Angeles Refinance | Los Angeles Real Estate | Los Angeles Mortgage | Los Angeles Mortgage Loan
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What others are saying...
...it was clear that Joe is an expert in what he does and that he actually cared about us getting the best deal on our Los Angeles mortgage. He’s a people person with a high degree of integrity.  Thanks Joe.

Jaime C. - Los Angeles
Linda, you were a pleasure to deal with.  I will recommend you and your company to anyone who needs a los angeles mortgage loan. Would like to do business with you again.

Rick M. - Los Angeles
Joe did an outstanding job for us. We had started with another los angeles mortgage lender and even signed the closing documents. We just knew that the rate was too high and the closing costs were equally high. When we called Joe, he had us ready to close with a lower rate and fee.

Anna R. - Huntington Park
When I first spoke to Joe, I was in an interest only, adjustable rate mortgage, that I thought I would never get out of.  Thanks to his suggestions, I was able to refinance to a fixed interest rate Los Angeles mortgage, and although my payments are now slightly higher, I'm actually paying down the principal, and able to put that old loan behind me.

Jerrod F. - Inglewood
We love Joe’s team! We have worked with them on different properties, and have referred our friends to them both in new construction and for our rental homes. They have never let us down. If they tell us that we’re qualified, we can proceed with confidence that our contract will close. Joe and his team are trustworthy and conduct their business with the highest of integrity. They are the only Los Angeles mortgage lender that we use for ourselves and our family. Our hats are off to this outstanding team and their high standards.

Cathy K. - Century City
We want to thank you so much for helping and guiding us through this process. You were absolutely wonderful to work with and your patience was appreciated. You are very good at what you do, and your passion for your job shows. Thank You!

Stephanie J.- Hillsborough
Going through the process is tough.  I think I bit off more of nails than ever this last month.  But, thankfully you've been here the whole time to explain everything, and I thank you.

Madeline C. - Bel Air
Joe, you came through!  I really thought I was going to have to go into foreclosure.  I'm glad I called you.  The Los Angeles mortgage loan modification and Los Angeles refinance was exactly what I needed to keep my house.  Thanks for taking the time to explain everything to me.  I think I was starting to drive my wife crazy about this whole thing.  So you helped my marriage too.

Terry J. - Los Angeles