Debt consolidation loans may be attractive to those with high interest credit card debt.  It may be possible to arange a new home loan that will pay down the credit cards and end up with a much lower monthly debt service.  Call for details.   Remember that we have construction loans for mobile homes.   Refinance for a lower interest rate and save money every month.  Refinance for a faster payoff.  Which means pehaps a 15 year loan rarther than a 20 or 30 year payoff.  The idea is still to own a property free and clear.  Best rates on baloons.  If you are sure you will be moving  within a few years it may be a good idea to refinance with a low cost  baloon that will last through your time frame.  Got great credit and a good income, you may want to consider a 100% Purchase Money loan.  All you need are closing cost and reserves.    Need cash for any reason and have equity, cash out ok.   We are in the era of interest only loans.  Call for Info.    Call bud Graham, you will be glad you did.

THE   RATE   HUNTER

Call Bud Graham & Expect The Best

Home Loan

Bud Graham & Associates has vast resources  of loan programs tailored to satisfy the mortgage requirements of almost any Borrower and literally hundreds of Lenders to select from.   We strive to offer mortgage services for a reasonable fee while guiding our borrowers through the  mortgage maze with as little inconvenience as possible.

The personal  computer and the internet have changed forever the way people will finance home ownership.   Sweeping new changes and innovations are forcing the Real Estate and Lending industries to  restructure  themselves  in ways we did not even dream of twenty years ago.   The consumer is almost being overwhelmed with advertisements for home loans.  Behind the scenes a rigorous struggle  for market share is taking places  while  new definitions for how business will be conducted in the future are being formed.  I have no doubt that in another twenty years positive beneficial changes will have taken place that will streamline the lending process and make getting a new home loan  more convenient a well as more affordable.  In the meantime how does a consumer deal with all the confusing information that we constantly are being deluged with by an enthusiastic Industry.

Local Mortgage Brokers historically have been the people that consumers turn to when they are seeking  a new home loan.    We are the real world interface between Borrowers and Lenders.  Because we speak the same language  as the Lenders we know who is offering the best loans.  We have relationships with many different types of Lenders so we do not waste any time or money going to a Lender that cannot make the kind of loan we need.  The main benefit in working with a Mortgage Broker is we can shop around for the best loan, and when we find it, we can expedite the process.  Please remember,  we do not work for the Lenders,  we work for you.

Please contact me if I may provide you with additional information on ways we may help you.  I'm always available for a confidential consultation.  Call  or email Bud Graham,   ask for the   "Rate Hunter". 

Bud Graham & Associates
Post  Office Box  2087
Mariposa, Ca. 95338
209.966.4099

mailto:BudGraham@sti.net  

Real Estate Broker Licensed By the Ca. Department of Real Estate.
State License Number 00986593