Specializing in Riverside Mortgage, Riverside Home Loans, Riverside CA Real Estate, Riverside Real Estate, Riverside Refinance, Riverside Mortgage Loan

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Riverside Mortgage

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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 Riverside mortgage. I am a Riverside Mortgage Consultant serving all of Riverside, 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 Riverside home loans.

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

Riverside Home Loans

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

Riverside CA 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 Riverside mortgage you need for the home you want.

Riverside Real Estate

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 Riverside office at 800-785-4952. I am here to help you with all your Riverside 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 Riverside office at 800-785-4952.

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

Riverside Mortgage Report:

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

Take Note of the fine print on your Riverside mortgage papers

The fine print on your mortgage papers is incredibly important to read because if you donít, you may find yourself in a predicament that you really donít want to be in. You should read every page of the fine print and take as much time as you need to do it. This way you know you are not getting anything more than what you want. In the end it could save you a lot of time and money. Below are some of the things you should look out for while reading the fine print on your Riverside mortgage papers.

Balloon payment: you should look for this in your mortgage fine print if your Riverside home loans not a balloon loan. Sometimes the lenders will put this is your fine print when it really isnít meant to be there. A balloon payment is when you pay only the interest on your loan and nothing off of your actual principal. This keeps the repayments small and most customers are pleased with this, until they discover the need of a balloon payment at the end. Paying off a large balloon payment is often impossible to do and can cause you to lose your home. So when checking the fine print, make sure a balloon payment is not in your fine print so you wonít be caught with any surprises and an incredibly large payment.

Note: You should always be aware for the terms stated in the note. The note is usually where they state if you have not paid your repayment in a certain amount of days the lender has the right to sell your home and you are liable for anything else like extra fees and the banks also has the right to take any of your assets and finances if you do not make your payment.

Notice: you should read this part of your fine print very carefully. This part of the document will tell you how much notice you will receive if you havenít paid your repayment, sometimes it will tell you that you will receive no notice. Make sure you remember to send your payment if you go on a holiday. Send your payment early so you will not have to worry about your check getting lost in the mail. The best way around this problem is to see if you can send you payment via wire transfer so you know it is going exactly where it is meant to be. Also another thing you should look out for in the notice section is whether or not you have time to make up for the missed payment or whether it will just take action on the preceding of foreclosure.

Acceleration: this clause gives the lender the right to speed up the time when your Riverside mortgage is due and has the right to ask for the full amount due on your loan straight away if you miss a repayment. Also you should look for what notice they will give you in the event that this happens because sometimes it is said to give no notice.

Extra fees: always look out for any extra fees that you do not recognize when reading your Riverside mortgage fine print so you do not get hit with these fees that you are not aware of.

Another thing that you should look out for when reading your Riverside mortgage papers fine print is to make sure that everything is as it is agreed upon. Be sure that all of the closing fees, interests and other such terms are the same as first agreed upon.

Reading your mortgage paperís fine print can be a big job but it is an incredibly important one. You need to know what you are signing and agreeing to. While reading, take as long as you like and donít let anyone pressure you into moving the process along. If you are confused about any of the terms stipulated in the fine print or have any questions then go ahead and ask them. Get a clear definition of what all terms mean and what they are all about. Also donít be afraid to get another person to look the fine print over, like a trusted friend or your lawyer to see what they think. They may be able to point out something that you missed. It is better to be safe than sorry.

We service clients statewide, including every city and town in California.  Riverside Real Estate | Riverside CA Real Estate | Riverside Home Loans | Riverside Mortgage

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What others are saying...
Joe was the best loan officer I've ever had. I have refinanced 4 times since I purchased the home in 1994, and nobody ever told me how to pay off my house early. I had credit issues and he helped me with those too. I would recommend him whole-heartedly! Joe really came through when I needed it most.

Stanley C. Ė San Francisco

Thanks again for all of your hard work on my recent Riverside home loans. My wife and I cannot put into words what this has done for our household. You are a true winner and we will definitely be doing business again in the future. You are on the top of my recommendation list for future home buying and refinancing opportunities and I will be referring family, friends, and colleagues to you.

Jacob K. Ė Pomona
When we made the decision to move to Riverside, we were very worried about the transition, and about finding a new home.  Thanks to you Joe, the homebuying process was as smooth as silk.  You had the Riverside home loans documents ready to sign when I flew in, and the realtor was very accomodating to our schedule.  We couldn't have asked for a better team to work with.  Thank you.

Dean M. - Boise/Riverside
I was watching the rates for over 2 months, and I'm glad I refinanced when I did.  You worked with me the whole time to get the lowest rate, and I'm thankful.  You did a good job.

Lucia N. - High Grove
I want to thank you for your persistence with our situation. You went well above what you had to do, and it is greatly appreciated!

Ingrid S. Ė Chula Vista

Great job, Joe!  When I first started receiving your home buying tips, I wondered if I would ever be able to buy a home.  But, like you suggested, I started working on improving my credit score, and I tackled each issue, one by one, month after month.  Here I am, 18 months later, and in a home I can afford.  I feel like you really helped me, not only with buying my house, but also with my family.  Seeing the excitement in my wifes' eyes the day we moved in, made me think about just how down I was 18 months ago, and how far I've come.  Thank you so much for the guidance, and the professionalism you showed along the way.  Cheers!

Brian W. - Riverside
Just wanted to say thank you for all the hard work you did.

Vance W. Ė Leucadia

As you know, I was really nervous as I bought the house.  The stress of putting myself into this much debt has been tough.  But, you made it really easy for me to understand some of the tax benefits to buying a home, and all of the options we had.  Thanks for making it so easy.

Jack L. - Grand Terrace
I want to thank you for your exceptional professionalism. You were able to ease all of my concerns regarding the whole transaction. As a first -time home buyer, I had a lot of worries. I appreciated the reassuring, positive, straight-forward, and correct answers you calmly gave to all of my questions.

Jerome H. Ė Avenal

Thanks for all the hard work.  I knew it was a long shot that I would qualify for a Riverside home loans, and after signing up for the reports, I figured out that I could if I worked on it.  Everyone involved in the loan process was so helpful, and I'm very grateful for all of the knowledge you shared.  Phyliss and I thank you.

Ian P. - Chino
Hey Joe, thanks for helping us get the cash to finish our basement and being easy to work with. You have earned our business for life!

Kimi L. Ė Santa Clarita

I couldn't have asked for a better Riverside mortgage lending experience.  You explained all of the options, and supported my choice to go for a fixed interest rate Riverside home loans.  Thank you, Joe.

Pavel J. - Norco