Tom and his team are just brilliant, I used Tom for my initial mortgage and then for my refinancing a few years later. Flawless service, informed and efficient. Absolutely no reason to go to anyone else but him! Secure a home purchase loan that utilizes today's great mortgage rates to make your dream home affordable.
Lock in great terms with current interest rates to ensure your home remains affordable-or build more equity with an update! Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever. Know where you stand. With a property evaluation in hand, you'll have better access to your options so you can see the next move.
Lock in great terms with current interest rates to ensure your home remains affordable-or build more equity with an update! Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever. Know where you stand. With a property evaluation in hand, you'll have better access to your options so you can see the next move.
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 a favorable rate doesn't have to be stressful! We're here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a pre-approval letter request.
Refinancing could save you a considerable amount of money over the life of your loan and potentially improve your overall financial outlook. We're here to make the home refinance process easier, with tools and knowledge that will help guide you along the way, starting with a refinance analysis request.
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. A 30-year fixed-rate loan may be a good option if you plan on staying in your home for years to come. We're here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with our 30-Year Fixed Rate Mortgage Qualifier.
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 too high.We're here to make it easier, with tools and expertise that will help guide you along the way, starting with our Adjustable-Rate Mortgage Qualifier.
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 too high.We're here to make it easier, with tools and expertise that will help guide you along the way, starting with our Adjustable-Rate Mortgage Qualifier.
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 easier, with tools and knowledge that will help guide you along the way, starting with our 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 easier, with tools and knowledge that will help guide you along the way, starting with our FHA Loan Qualifier.
Reviews (10)
Paulette Medina
Dec 14, 2021
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Andrew Parker
Dec 12, 2021
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John Neis
Nov 30, 2021
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Cindy Ho
Oct 28, 2021
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Andre Saldivar
Oct 27, 2021
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Erica Anderson
Oct 26, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Tom and his team are extremely reliable, prompt, and thorough. I’ve recommended them to several family and friends and everyone is always pleased with the results as well. Karbon is really the best at what they do. I am so grateful to have them on my side!
Tom and his team are extremely reliable, prompt, and thorough. I’ve recommended them to several family and friends and everyone is always pleased with the results as well. Karbon is really the best at what they do. I am so grateful to have them on my side!
Natasha Young
Oct 21, 2021
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Tom’s was recommended to me by my fantastic realtor Devon Sutton. And I am most thankful for this referral because it turned into the best overall home purchase.
During this process my stress level was very high due to the demanding California sellers’ market which has homes flying off the list like crazy. But the financial portion with Tom at Karbon Financial was a breeze.
From the beginning Tom showed exemplary professionalism in handling my loan. He was straight forward, very helpful, organized, informative, and extremely thorough from start to finish. Once I spoke with Tom, we had a great
During this process my stress level was very high due to the demanding California sellers’ market which has homes flying off the list like crazy. But the financial portion with Tom at Karbon Financial was a breeze.
From the beginning Tom showed exemplary professionalism in handling my loan. He was straight forward, very helpful, organized, informative, and extremely thorough from start to finish. Once I spoke with Tom, we had a great
Zach Bates
Oct 14, 2021
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David McMillan
Sep 26, 2021
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Priscilla Hung
Sep 13, 2021
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