At Concept Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!
We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!
Services
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. If you're considering buying a home, you're likely aware of the complexity of the endeavor. Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Evidence of any other assets such as bonds, stocks, or money saved in retirement programs i.e.
FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan. Available on 1-4 unit properties. FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan. Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs - all in one loan.
The VA mortgage loans are one of the best and safest methods to use when buying a home. Now even active duty personnel can qualify. If you are a Disabled Veteran, you may qualify for additional benefits on a VA home mortgage loan. The VA Home Mortgage Program does not limit the number of times a veteran may use the program.
Refinancing is often used to lower your interest rate. If rates have dropped since you last financed your home, you may want to consider refinancing. Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan or to extract cash equity in your home (cash out).
Reviews (8)
Jayden Slentz
Jun 11, 2020
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Gayle LoganSilva
Jun 08, 2020
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James Saville was amazing! He got us a VA loan during a pandemic while California was in lockdown and everyone was working from home. No easy feat. The service was impeccable and he returned our phone calls promptly even on a weekend. I will recommend Concept Mortgage to everyone. Buying a house can be very stressful and we felt like James was on top of everything.
Jenna Marshalls
Sep 20, 2019
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Concept Mortgage is a great help for first time buyers like myself. I have no idea on what to do next but James Saville made sure I understand everything and he was very hands on during the process. At the end of it all, I had a smooth transaction. So if you are looking for a lender, you should definitely call Concept Mortgage.
Peter St Ignaius
Jul 12, 2019
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SIMPLY THE BEST!
Loan application has never been easier with Concept Mortgage and with James Saville as my loan officer. He makes sure I was kept in the loop in everything that is happening during my application. Interest and Fees were actually lower than I expected which is so much better. I recommend Concept Mortgage as the #1 Lender in CA.
Loan application has never been easier with Concept Mortgage and with James Saville as my loan officer. He makes sure I was kept in the loop in everything that is happening during my application. Interest and Fees were actually lower than I expected which is so much better. I recommend Concept Mortgage as the #1 Lender in CA.
Carmen Cortez
Jun 01, 2019
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Barbie Grow
Aug 18, 2018
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James is amazing! He understood the type of mortgage we needed and he handled it very professionally. We would highly recommend James/Concept Mortgage for financing or refinancing your home. When documents are required the web interface they used made it so simple. We are very happy with our loan and would highly recommend James. We will be calling on him again, soon!
Nanette Smith
May 09, 2018
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Cathy Rogers
Jul 31, 2014
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