Joethelender

04/22/2020

Expecting a sizable refund this year? You could spend it on something ridiculous. Or you could invest in your future. Give us a ring to see if your refund could be enough to put you on the path to home ownership!

03/28/2020

Most of the time we are able to waive your appraisal, saving you quite a bit of money and speeding up the closing process. Ask me how.

02/28/2020

There are many benefits to both FHA and Conventional loan options! Give us a ring to get an assessment of which would work best for your unique needs and financial situation!

02/28/2020

Independent mortgage brokers like us do much more than just help you find the right loan with the lowest payment. We guide you through the entire mortgage process to make sure you're happy with one of the biggest financial decisions you'll ever make. Give us a ring to get started today.

02/28/2020

We can waive your appraisal in most cases, call me DM me today for more details.

12/18/2019

PMI, short for “Private Mortgage Insurance”, is a fee imposed on the borrower by the lender when the borrower purchases a home with less than 20% down. Essentially, it’s a layer of protection for the lender in case the borrower defaults on the loan. If you’re a buyer in today’s economy, it’s much easier to save $20,000 for a down payment than it is to save $80,000 --- PMI allows you to do just that. Give us a call to find out more information, we want to help you buy a home today!

Private Mortgage Insurance (PMI) is not a bad thing. It allows first time buyer to buy a house with less than 20% down and enjoy the fruits of home ownership sooner rather than later. Yes, you will be paying PMI which adds to your monthly payment, but it can be erased over time. Learn what needs to

12/11/2019

While you may think that buying a home that has recently been flipped would be as easy as buying any other home, it’s unfortunately not the case for those that are using the FHA loan program to buy the home. FHA loan guidelines state that if a home is purchased, fixed, and then resold in less than 91 days, this purchase cannot proceed and funding will not be provided. If you’re thinking of buying a home and have your sights set on a home that has been recently rehabbed, be sure to talk to your lender or real estate agent to make sure you are over the 90 days required by the government. As always, never hesitate to give us a call regarding any and all of your mortgage and real estate related questions! Our team is here to help and happy to do it!

Did you find the perfect first time home only to be told you can't buy it right now? The 90-Day Rule may be the culprit. Before you denounce it though, learn what it exactly is and how it's actually helping you make a better investment.

12/04/2019

While everyone knows that you need a down payment to buy a house, most don’t know that there are also closing costs associated with buying a home. Closing costs are split between the escrow costs, title costs, and lender costs. Both the buyer and seller of a home are charged closing costs with some variations between them. Today’s blog post takes a deeper look at all three so that you have a better idea of what to expect. American Freedom Funding aims to make the process as transparent as possible but we are here to help you! Give us a call so that we can help you get started!

You already know you need a down payment to buy a home. Do you know how much you need for closing costs? At American Freedom Funding we aim to make the closing costs easier to understand and easier to plan for. Check out our latest blog article detailing what you need to set aside when it comes to b

11/27/2019

The FHA loan is a loan program designed to make borrowing money for the purchase of a residential property easier for the average person. This week’s blog post breaks down how FHA loans work and details the main selling points. Of course, to get a better idea of why an FHA loan might work for you, give us a call today so that we can help you get started! At American Freedom Funding, we are here to help you!

The loan program you use to buy a home in Southern California matters. You can go conventional, FHA, and many more. If you're unfamiliar with what an FHA loan is, look no further. Your lender of choice is here to help. Read on to learn more about what an FHA loan is.