Born and raised in Dinuba California, I proudly call the Central Valley my home. Amongst the many things I appreciate about the Valley is that hard work and dedication is an integral part of everyday life here. These home-grown values are the cornerstone to my commitment in providing you with innovative mortgage solutions.
I have aligned myself with the best in the industry at Kings Mortgage to offer you professional and conscientious service as your local and trusted lender. I am a proud graduate of the University of California, Santa Barbara, where I earned my bachelor's degree in Business Economics with an emphasis in Accounting.
I have aligned myself with the best in the industry at Kings Mortgage to offer you professional and conscientious service as your local and trusted lender. I am a proud graduate of the University of California, Santa Barbara, where I earned my bachelor's degree in Business Economics with an emphasis in Accounting.
Services
Conforming loans have maximum loan amounts that are set by the government. Other rules for conforming loans are set by Fannie Mae or Freddie Mac, companies that provide backing for conforming loans. Non-conforming loans are less standardized. Eligibility, pricing, and features can vary widely by lender, so it's particularly important to shop around and compare several offers.
FHA loans are loans from private lenders that are regulated and insured by the Federal Housing Administration (FHA), a government agency. The FHA doesn't lend the money directly-private lenders do. For borrowers with good credit and a medium (10-15 percent) down payment, FHA loans tend to be more expensive than conventional loans.
The Rural Housing Service, part of the U.S. Department of Agriculture (USDA) offers mortgage programs with no down payment and generally favorable interest rates to rural homebuyers who meet the USDA's income eligibility requirements. The US Department of Agriculture offers a similar program to the FHA and VA, designed for low- and moderate-income borrowers in rural areas.
A VA loan is a loan program offered by the Department of Veterans Affairs (VA) to help servicemembers, veterans, and eligible surviving spouses buy homes. The VA does not make the loans but sets the rules for who may qualify and the mortgage terms. The VA guarantees a portion of the loan to reduce the risk of loss to the lender.
A down payment grant or program typically refers to assistance provided by an organization such as a government or non-profit agency, to a homebuyer to assist them with the down payment for a home purchase. The funds may be provided as an outright grant or may require repayment, such as when the home is sold.
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