My name is Louis Cruz and I want to thank you for taking the time to visit my website. I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current California home loan. I am a California mortgage consultant, serving all of California, and the surrounding communities.
Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan.
Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan.
Services
We know that you are not always able to find an answer to every question on our website. That's why we encourage you to ask us a question. One of the knowledgeable members of our team will respond shortly with an answer to any question you may have. If you would like to speak with someone to ask your question, you can also reach us at our Murrieta, California Mortgage Office at 888-373-6684.
A Reverse Mortgage can offer you so many wonderful benefits, but it's vital that you understand exactly how it works. You must understand the pros and cons to be sure this loan is right for you and matches your current needs. You'll find the education you need right here so you can make an informed decision.
Part of the mortgage process includes verifying income. You must be able to show that you can afford the home loan payments, regardless of the type of home loan program. If you do not have a job or any other way to financially support a mortgage, consider holding off applying for a home loan until you can verify employment and income.
First time homebuyer? You've come to the right place! Looking at real estate fliers and touring homes is easy. Applying for a home loan and figuring out how to pay for a house - well, that can get complicated. Let us guide you through understanding a home loan. Buying a house is one of the largest investments most people make.
Your mortgage payment cannot be more than 31% of your monthly gross income and your monthly debts (house, car, student loans, etc.) cannot exceed 45% of your monthly gross income. If you think about it - the banks are taking a big risk to loan you enough money to buy a house. They receive thousands of applications each week from hopeful homeowners and investors requesting to borrow funds.
Reviews (4)
Denise Olson
Jun 30, 2018
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Do not work with this company. I asked if they could help with a home loan out of state. Noah said yes. He asked for all my financial information, including taxes. They ran my credit, which is excellent then I never heard back. I've tried contacting them several times and no response. Meanwhile they have all my info. I am considering reporting them for fraud.
Alberto Muniz
Oct 25, 2017
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Brian
Dec 18, 2016
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Letter sent with no sender info, to intentionally be deceptive. I knew that the address info was printed, but it's that new fad of attempting to make it look hand-written - again, to be deceptive. Open the letter, and the top is a person in a straight jacket, with the phrase "I'm going crazy just thinking about helping you" - hmmm, cool - so throw PC out the window I guess, let's just be pretty offensive to mental illnesses. So I'm supposed to see these things and think "HEY! I know...even though I have absolutely zero need, want, or etc to refinance my home...why don't I do it anyway with this
Shane Thomas
May 28, 2016
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"I worked with Louis and his entire team at Freedom Mortgage they are a true pleasure to work with and everyone their at Freedom their positive attitude is contagious! Freedom's team are all very knowledgable and always go above and beyond to provide their clients the best service! I would recommend them to anyone!
