Focusing on purchase transactions, our full loan approval process is unique in comparison to the average lender's pre-approval process. I can't say enough about the level of excellence that Jason Gill has exercised through our entire relationship over the past 5 years. One of the most seasoned Mortgage Professionals I know.
I made the change to working with Jason exclusively after an old associate dropped the ball and resulted in the loss of a few of my clients. I have never looked back and my clients ARE RAVING FANS of his. Not only does he know his stuff, he's a very nice man, really good people. I would recommend Jason Gill and his team in a heart beat.
I made the change to working with Jason exclusively after an old associate dropped the ball and resulted in the loss of a few of my clients. I have never looked back and my clients ARE RAVING FANS of his. Not only does he know his stuff, he's a very nice man, really good people. I would recommend Jason Gill and his team in a heart beat.
Services
For more than 19 years, Jason Gill has been helping clients manage their real estate liabilities and assets in a more strategic manner. The majority of Jason's professional focus has been on helping people make smart financial decisions when they purchase or refinance real estate. Jason works with some of Southern California's top Real Estate Agents, Financial Advisers, Estate Planning Attorneys, CPAs, and Accountants.
A conventional loan is a mortgage that is not guaranteed or insured by any government agency such as FHA, VA, or USDA. Conventional loans are either conforming or non-conforming. Conforming mortgages are required to conform to underwriting guidelines and loan limits set by Fannie Mae or Freddie Mac, whereas non-conforming mortgages have loan amounts higher than the loan limits set by Fannie Mae / Freddie Mac.
The process of refinancing a home means taking out a new loan to replace a current one. Homeowners who are currently paying off a home loan can apply and be approved for refinancing. By refinancing, you can access the equity of your home through a Cash-Out Refinance option. You can also refinance to obtain a new, lower interest rate through a Rate & Term Refinance option.
Guaranteed by the U.S. Department of Veteran Affairs, the VA loan program is designed to assist both current active duty military members and veterans achieve homeownership. Eligible borrowers for this program are allowed to borrow at a higher percentage of the home value and the loan is guaranteed by the government against default.
FHA loans are insured by the Federal Housing Administration and can be a great option for people who would normally find it difficult to qualify for a mortgage due to their income level, credit history, or their ability to put down a sufficient amount of down payment. For borrowers with a credit score of 580 or higher, these loans allow a down payment of just 3.5% of the total cost of the home.
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