San Francisco Mortgage

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 San Francisco mortgage. I am a Mortgage Consultant serving all of San Francisco, and the surrounding areas.

FREE Home Buying Guide Reveals The Insider Tips Big Banks Don't Want You To Know...

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 San Francisco mortgage.

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

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San Francisco Real Estate

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

San Francisco Home Loan

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 San Francisco mortgage you need for the home you want.

San Francisco Refinance

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

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

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

San Francisco Real Estate Report:

I want to include an example of one of our FREE reports that can help you understand refinancing:

The 10 biggest mistakes when refinancing

1. The new interest rate does not justify the refinancing

Before you go ahead and refinance your San Francisco mortgage, you have to make sure that the change will save enough to justify the whole process of refinancing. As a rule, if the interest rate does not decrease by at least .0075 (.75 %) to .01 (1%) the refinancing is probably not a good move.

2. Not knowing your real closing costs

Closing your San Francisco mortgage is usually a charged service. By law (in the United States), closing costs must be disclosed within 3 working days of the loan application. Each lender has their own way of calculating the closing costs. Initially, your closing costs are an estimate. However, once your specific loan details are known, the closing costs are no longer a mystery. Use the worst case scenario, if you still make a profit with that scenario, and if your new interest rate justifies it, you can consider refinancing.

3. Knowing why you are refinancing

A lot of people refinance just to reduce their interest rate. This is not always at your advantage. You have to make sure that you recoup all the cost that are involved in the refinancing operation. Some other reasons might force you to refinance. One of them might be debt consolidation, another one may be some home improvements, or another large purchase. Some of these options may offer you some other financial advantages or personal advantages, like using some cash to purchase a car. In some cases you may be able to deduct some of the interest charges on your tax return. Any big decision like this one should always be preceded by a consultation with an expert (accountant or tax attorney).

4. Only listening to the APR advertising

The Annual Percentage Rate (APR) is not everything. Very often brokers will use the APR as a "teaser". This will get your attention, but the refinancing could cost your more than what's advertised. Such low rates are usually calculated by using a 30 year mortgage loan together with an accelerated bi-weekly mortgage plan. Very often, lenders will let you, AT NO EXTRA CHARGE, select an accelerated bi-weekly mortgage plan. Make sure you know all the facts before you start any refinancing.

5. Not knowing the mortgage professional's plan details

It's simple, you want to do your refinancing in the shortest amount of time and with as little hassle as possible. Ask your mortgage professional what timelines you should expect. Make sure your mortgage professional offers the quality of service you need.

6. Not knowing the professional's products

If you don't ask, you won't get. If all the mortgage professionals were equally created, you wouldn't have to, but it's not the case. You have to know what your consultant has to offer you, what loan products are available, the terms and the rates. Sometimes, just what looks like a subtle difference, could save you (or cost you) thousands of dollars.

7. Failure to examine your credit problems

The majority of people have no idea what type of credit they have or how to repair any unfavorable credit which may exist. They fail to realize that credit is one of the key factors in refinancing a current mortgage. Credit problems not only bring down to a crawl the process of getting a loan, but can damage your ability to make numerous other purchases.

8. Not knowing how much money a lender is willing to loan you

If you are planning on refinancing your home, you must be aware that most lenders have strict guidelines on how much money they are willing to lend. The lender's decision is usually based on your loan-to-value ratio. In other words, mortgage lenders have limits on how much money you can borrow based on the value of your house.

9. Failure to find a reputable and experienced mortgage professional

You must associate yourself with an honest, high quality, and service-oriented mortgage professional. This is probably the most important ingredient in finding good home refinancing. Dealing with the right lender can mean the difference between having your loan refinancing approved or rejected.

10. Lying to your mortgage professional

There is nothing like the truth. If you already owe too much, refinancing might not be the best move. Be ready to give all the information the mortgage consultant requests (income tax information, credit card balances, other loans, current mortgages, etc.)

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