At Ladera Lending, Inc., we open doors to a wealth of personalized services to all varieties of clientele. From real estate professionals, to builders to individual home buyers, we will tailor a program for your needs. Our knowledgeable team works to provide you with financial loan options that fit your lifestyle and budget making your dream of home ownership and financial freedom become a reality.
We have built a strong foundation of loyal clients and a trusted brand within our community. Our goal is to exceed our customers expectations through personalized service and the right loan terms for each individual transaction.
We have built a strong foundation of loyal clients and a trusted brand within our community. Our goal is to exceed our customers expectations through personalized service and the right loan terms for each individual transaction.
Services
Need financing options on a home or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the right loan terms for your given scenario can feel like playing whack-a-mole. We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.
An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
The intial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
The intial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
Reviews (10)
Tj York
Jan 20, 2022
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My wife and I were looking to refinance our home, with a simple google search and little information filled out, we had a phone call that night!! Kevin Hall, Sr Loan Officer with Ladera Lending, And let me tell you I was happy I answered that call! Kevin is, and was very personable. He made things for my wife and I very easy.
He treated us like we’re best friends or even family. He was most outstanding and extremely helpful, staying late, and making sure all our needs were met, and questions answered. There’s no doubt in my mind I would refer him over and over again to everyone I know!!!
He treated us like we’re best friends or even family. He was most outstanding and extremely helpful, staying late, and making sure all our needs were met, and questions answered. There’s no doubt in my mind I would refer him over and over again to everyone I know!!!
Karen Hester
Dec 13, 2021
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My husband and I had reservations working with a company located so far away from our home. But we soon became very comfortable with Frankie Marino and Ladera Lending. They were very informative and helpful through the entire process. I was most impressed with the prompt responses from Frankie. He was always there for any question or concern we had. I would highly recommend him and Ladera.
Christine Wingfield
Dec 05, 2021
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Nov 04, 2021
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After trying to my level best to get loan from all the companies possible or in my reach - and all of them rejecting me because of my credit score. Robert from Ladera lending came as savior! He was to the point and precise and told me as well he can get the job done and he did - he relies on his experience and details unlike other companies who are either fully automated or mix of a system + human. I would like to thank Ladera lending from bottom of my heart to get the funding through!
Barbara Warren
Oct 31, 2021
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From the initial contact with Sarah, her communication style was such, that you knew she was knowledgeable and forthright. Both these characteristics prevailed throughout the process. Sarah kept to a timeline and kept us informed on the next steps on a regular basis. She, along with Zack Green were both exceptional to work with - professional, informed, and follow-through. Our experience was GREAT because of Sarah, Sr. Loan Office, and Zack, Loan Processor. They are a great team! Ladera is very fortunate to employ these outstanding people.
Jessica Haverkock
Oct 19, 2021
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Ladera provides the best refinancing experience you can imagine. Joe Totah and his team are professional, efficient, and transparent. He communicates daily about the process and timeline. I've been more than pleased with the service I've received - I am a repeat customer. They take what can be a painful and protracted process and distill it down into manageable pieces all the while keeping you updated and pushing their team to provide excellent customer service.
Sherry Rowley
Oct 14, 2021
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Kendall Anderson
Oct 02, 2021
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Kevin did a great job in giving us the information we asked for as well as thinking outside of what we asked and gave us other options that would benefit our situation to refinance. We had spoke to several different companies in the process of refinancing and Kevin outshone all the others. He keep in touch with us throughout the whole process letting us know what to expect in each step and responded quickly with any questions or clarifications we needed. The whole process was effortless and went by quickly. Thank you Kevin and Danielle for making this easy for us from start to finish.
Charles Reep
Sep 18, 2021
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Great experience refinancing my home loan with Ladera Lending. Jason Brewster was my loan officer, and he kept me up to date regularly with the progress of my loan. He answered any questions I had very quickly. There were times when he called me, but I was unable to answer, so he sent me a quick text with what he needed. I was able to text back without having to call back. I know this may sound small, but I prefer to just text whenever possible. I'm so glad I didn't have to play phone tag. Thanks Jason!
Jillian Acker
Sep 04, 2021
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I had an amazing experience with this company, especially Ross and his dream team. The process was streamlined and smooth. My refinance was completed in less than two weeks! The portal is easy to use, communication is outstanding and they even had someone come to me for the title signing! Ladera Lending is an outstanding company that I will be recommending to my friends and family!
