Los Angeles Mortgage Broker says:

Your Home Mortgage Loan May Be the Largest Financial Commitment You Ever Make

Los Angles Mortgage Help Blog

It is our goal on this blog to provide you with up to the date information about issues concerning real estate, mortgages, credit, the mortgage process, and the economic climate as it applies to real estate and mortgages.

  • Alternative Documentation Loans
    If you are in business for yourself, have income that is difficult to document, have large swings in your income, or other unusual situations, you may be able to qualify for a stated income mortgage in Los Angeles or anywhere in California. In these unique circumstances you may not need income tax returns or other documents normally required.
    Call to learn more with no cost or obligation.
    See Bill’s video here on Alternative Documentation Loans to learn more about who qualifies and how to proceed. If it doesn’t apply to you, it may apply to a friend of family member.
  • Bill Rayman is Vice President of Mortgage Lending at Guaranteed Rate
    Bill has substantial experience handling jumbo loans($750,000 – $6,000,000), for both residential and commercial properties, as well as the many, related complex issues. He is Vice President of Mortgage Lending for Guaranteed Rate, one of the largest originators ofhome loans in Los Angeles. Their vast resources assure of finding the best possible rates and terms.
  • Low Credit Score – We Can Help
    If you have a difficult situation due to income verification, low credit score, or unique real estatechallenges, Bill has probably seen it before. He networks with a group of professionals whose legal, construction, real estate and financial backgrounds will help you find the way through even the most unusual proposal.
  • Refinancing Mortgages – Now May Be the Time
    As of 2014, Mortgage interest rates continue to be available far below rates commonly available over the last 50 years. You may want to consider refinancing your existing mortgage into a new fixed 30 year loan at these amazing rates. Other reasons to consider refinancing your mortgage at this time would include:getting cash out for remodeling, education, investment, or medical expenses; reducing the interest rate or term; consolidating other debt that has higher interest rates; going to a fixed rate from an ARM.

Current Interest Rates for Mortgages in So Cal

Your rate will be determined by a long list of specific details unique to you, including:

  • Date you lock
  • Amount of down payment
  • Total amount of loan
  • Your credit score
  • Use of mortgage insurance
  • Term of the loan
  • The lender used
  • Fees and costs
Mortgage Help: Los Angeles Blog
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Call a Mortgage Broker

With so much money at stake, and the legal details so hard to fathom, home buyers are justified in being cautious about their decision to take out a mortgage. Whether you are a first-time homebuyer, refinancing for cash out or a lower rate, or considering an investment or commercial property, you will be well advised to learn as much as you can about the mortgage process.

It only takes a few moments on the phone to give you a realistic quote. When you trust your loan to Guaranteed Rate, we will deliver the lowest cost loan for your circumstance.


Los Angeles Mortgage Broker Explains FHA Loans


FHA offers a qualified home buyer or residential
property investor the opportunity to purchase residential
properties with a very low down payment.


Rents Going 8% Higher – No Inventory! Homeownership at Historic Lows

According To A Recent Polling Of Landlords, They Have Absolutely No Reason To Stop The Madness Of Ever Increasing Rents http://fortune.com/tag/zillow-rental-rates/   Rental rates could rise by an average of 8% through next year, according to more than two-thirds of property managers surveyed in a report issued by Rent.com. Out of the 500 property managers…