Prism Light Mortgage

03/12/2024

To be eligible all a borrower has to do is receive "Pre-Approval", certificate that Prism Light Mortgage can provide, once we give you a "Pre-Approval" certificate you can register register on the CalHFA site. You can submit your application through this link https://lwhiteside.zipforhome.com/ Don't wait time is running out.
We do not have a firm date on when the Voucher Winners will be selected. Standby for more info on this amazing program.

06/16/2023

Come join us!!

05/22/2023

We want to welcome Christina Garday to our company. Prism Light Mortgage " Where Dreams Are Funded"

02/13/2023

What are the benefits of ADUs?

1. ADUs are an affordable type of home to construct in California because they do not require paying for land, major new infrastructure, structured parking, or elevators.
2. ADUs can provide a source of income for homeowners.
3. ADUs are built with cost-effective wood frame construction, which is significantly less costly than homes in new multifamily infill buildings.
4. ADUs allow extended families to be near one another while maintaining privacy.
5. ADUs can provide as much living space as many newly-built apartments and condominiums, and they’re suited well for couples, small families, friends, young people, and seniors.
6. ADUs give homeowners the flexibility to share independent living areas with family members and others, allowing seniors to age in place as they require more care.

09/12/2022

What Is Down Payment Assistance?
When you buy a home, you’ll usually have to put money down that’s equal to a percentage of your home’s final purchase price. This is called your down payment. The amount you’ll need will vary and some mortgage programs require no down payment at all. While there are variations, coming up with this cash is often a difficult hurdle for buyers .As the name suggests, down payment assistance helps you cover your down payment

08/13/2022

Looking for a Jumbo loan with a lower down payment? We can help.

07/12/2022

It’s actually pretty simple: take the cost of your potential monthly mortgage payment, add up all your bills and other expenses, and then subtract that number from your monthly income.

It’s recommended to shoot for no more than 25% of your income for housing payments and 50% including total bills; and if you find something for less than that, it might be time to buy!

07/12/2022

So you like a listing, it's the house of your dreams! What now?

The next step is to find a realtor, who can help guide you through the process of buying it.

Then, you'll get pre-qualified for a loan from a bank or mortgage company.

Lastly, your realtor will start writing an offer with contract terms that work best for the seller and buyer and their needs. Then the offer will be presented to the seller in hopes that they accept it!

08/10/2021