Have you thought about your 2018 resolutions?

Home Loans

2018 is right around the corner!  Have you thought of any resolutions? Here are a few ideas that can help make your home buying easier for the New Year! 

Get your Financial House in Order

     Research on what you can afford.  Think about the amount of money you have available for a down payment, closing costs and taxes.  You should start the mortgage process earlier than later.  Do it before making an offer on a house.

Get Your Pre-Approval Before House Hunting

     Getting a Pre-approval means that you have exchanged conversation with a loan officer regarding your credit files and they say that you can qualify for a given loan amount with one or more specific loan programs.

Understand your Mortgage Options

     You need to be educated when it comes to mortgage options and costs.  The best rates and terms come from those whom have solid credit.  In able to get the best option loan, credit cards, payments, rent, and mortgage bills need to be paid in full on time.   Some specific documentation needed will be recent pay stubs, rental checks, tax returns, K-1s, W-2s, and bank statements.

Make An Offer

     Once you have found the home that you want, make an offer.  There are three different type of options.  One is to accept the listed price and create a contract. You can also reject it and not make an offer. Lastly, you can suggest different terms and make a counter-offer.

Protect Yourself With Insurance

     You wouldn’t drive a car without insurance right?  It works the same thing when being a home owner!  Title insurance protects owners in the event that title to the property if found to be invalid.  This protects buyers up to the mortgage value of the property.    Homeowners insurance provides fire, theft, and liability coverage.  They are required by lenders and often cover an incredible number of items including personal items.  For example, wedding rings, furniture, and home office equipment.

 

Complete Secure 1003 Application

With Stonecastle, the loan approval process has never been easier. We offer a secure and convenient application for you to fill out as well as a secure link to upload your required documentation at your leisure.

Client Testimonials

FacebookTwitterGoogle+LinkedIn Hey Chris, Thanks for all your hard work on this transaction! Most loan officers can do the easy ones. I know you were thrown some serious curve balls that were out of your control...

Steve Hansen-J Rockcliff Realtors

FacebookTwitterGoogle+LinkedIn “I love the day I can give my clients the key to their new home! Such an awesome couple! Congratulations to Guillaume and Jessica! Thank you Lynda D Plummer for introducing us and for...

Jill Norris

FacebookTwitterGoogle+LinkedIn “I have known Janine Lewis on a professional basis for over 17 years.  She a is very professional, proficient and dedicated mortgage broker.  Janine helped my family acquire a mortgage on our home in...

Leilani Randall  

FacebookTwitterGoogle+LinkedIn “In the past 37 years I have owned 6 homes and refinanced many times. The care and professionalism I experienced with Stonecastle Land & Home Financial surpassed any other experience. I am so grateful...

Margaret DeTomaso

FacebookTwitterGoogle+LinkedIn “Janine was extremely helpful and patient with us through our entire loan approval process. Her communications with us were consistent and thorough-we’d highly recommend Janine and Stone Castle Land & Home Financial in the...

Richard Mohr

FacebookTwitterGoogle+LinkedIn “Rick is the best. My wife is a real estate agent and refers people to Rick all the time. We say id Rick can’t get it done no one can!”

Dale Taylor

FacebookTwitterGoogle+LinkedIn “Rick Del Pozzo was excellent at understanding my personal situation and financing needs. First class Professionalism !”

John Resch

FacebookTwitterGoogle+LinkedIn “Everything went very smooth! Rick Del Pozzo came to me about the refit option an me a lot of money!”

Kevin Clark

FacebookTwitterGoogle+LinkedIn “We LOVED Olivia!! She is amazing and we will definitely refer friends to her!”

Ron & Karina Bird

FacebookTwitterGoogle+LinkedIn “Olivia’s professional knowledge and guidance made a challenging and tedious process easy!!”

Jenny Gago

FacebookTwitterGoogle+LinkedIn “Olivia Filion is a true professional! Not only did she make our loan a smooth process but she was a joy to work with!”

Paul Barnett & Amy Fabry

FacebookTwitterGoogle+LinkedIn “From first contact Ann Miller communicated with confidence, knowledge, and experience. I have told everyone I know in CA to consider Ann for their next refi or purchase. Cannot recommend her more highly-Excellent!!”

Carolyn Lewis

FacebookTwitterGoogle+LinkedIn “I have been working with Ann Miller for several months trying to refinance my existing mortgage. I have never met anybody as service oriented and customer focused as Ann. Ann has the ability to...

Alicia F

FacebookTwitterGoogle+LinkedIn “Ann is a master at communication and making all clients feel comfortable. I have recommended her to many real estate clients. She raises the bar for good mortgage banking service. If you need a...

Richard Kuhr

FacebookTwitterGoogle+LinkedIn ” We made the mistake of working with Bank of America for our last refinance. After 2 months, they turned us down for reasons we still do not understand. Chris Brent was referred to...

Kelly McCoy and Mike McCoy

FacebookTwitterGoogle+LinkedIn “We highly recommend Chris Brent and his team at Stone Castle. They treated us like family from start to finish and worked very hard to find us the very best loan for our situation....

Ryan and Jessica Madigan

FacebookTwitterGoogle+LinkedIn “Chris has been our lender of choice for many years. He took great care in walking us through our first home loan almost 14 years ago and did an amazing job recently with helping...

Chris and Aimee Knese

FacebookTwitterGoogle+LinkedIn “Rainey handled the challenges of the transaction and my “intensity” with confidence, grace and a “can do” attitude…but more importantly she showed me that she truly cared.”

Chris R.

FacebookTwitterGoogle+LinkedIn “Rainey Gray-Gross did a fabulous job as she’s always does finding me the best deal possible and was able to take away a lot of the stress.”

Anne H.

FacebookTwitterGoogle+LinkedIn “I appreciate the way you went above and beyond to make the stressful and confusing mortgage process easier on me, by patiently explaining what needed to happen and answering all my questions.”

Eric N.

FacebookTwitterGoogle+LinkedIn “Roy has helped us on several refinances of two of our properties and he has done an outstanding job for us. He is proactive in working with us and following through and has been...

Kamal R.

FacebookTwitterGoogle+LinkedIn “I have known Roy for Several years after having been recommended by my Real Estate Broker. My first contact with him was very congenial and helpful although I did not completed the transaction because...

Paul B.

FacebookTwitterGoogle+LinkedIn “Roy has helped me on several refi’s over the years I’ve known him (since 1995). He has always demonstrated a professional attitude in this crazy mortgage business. I should know I’ve been a headhunter...

Bob Richards

FacebookTwitterGoogle+LinkedIn “With the TRID regulation adding days to transactions, Rich and his team successfully navigated the loan from beginning to end with no surprises and we closed ahead of schedule.  I would recommend their services...

Sari McClure and Traci Miller (Pacific Union)

FacebookTwitterGoogle+LinkedIn “It was our pleasure working with you.  We love working with lenders such as yourself who work diligently on their buyer’s behalf. Mike and I look forward to working with you in the future.”

Wendy Flores, Tripointe Homes

FacebookTwitterGoogle+LinkedIn “You guys did a bang up job making the process simple and straight forward. Your attention to detail and follow up was most appreciated! Bottom line, you guys rock!”

Aaron Smith & Paige Dunn

FacebookTwitterGoogle+LinkedIn “Karen does an amazing job at explaining everything, communicating timely, and getting the job done! She has done 2 loans for us mow and we won’t go anywhere else!”

Garrett & Laurel Baker

FacebookTwitterGoogle+LinkedIn “This was our first home purchase and Karen made us feel safe and taken care of all the way through the process! Thank You Karen!”

Jacob & Stacy Giannassi

FacebookTwitterGoogle+LinkedIn “Karen Douglas is top notch! She works hard to find the right fit and communicates all options. Her ability to make you feel comfortable during a stressful time is second to none!”

Jeffrey Scalisi

FacebookTwitterGoogle+LinkedIn “Jason is the best broker I have had the pleasure of working with. He treats clients courteously and he is very responsive.  Jason works fast and has the knowledge and resources necessary to get...

Frank Pandolfi  

FacebookTwitterGoogle+LinkedIn “My wife and I recently just finalized our loan with Jason Brown. He found us a great rate, worked well through adversity and had an extreme sense of urgency which was greatly appreciated. Jason...

Rob Calvin

FacebookTwitterGoogle+LinkedIn “I wanted to take a minute to thank you for pulling together all of the required steps to get our mortgage in place and get us into our home. I was busy with my...

Suzy & Rick S.

FacebookTwitterGoogle+LinkedIn “Ken has provided us with first-class customer service over the past 5 years as our Loan Agent. He is very proactive in reaching out to us during this time and makes us aware of...

Scott & Denisce Whitacre

FacebookTwitterGoogle+LinkedIn “Ken Harmon was very professional. He was creative and resourceful during our refi process to help us meet our unique finance needs and requests. We have been working with Ken for 8 years. He...

David & Abigail Ehrhorn

FacebookTwitterGoogle+LinkedIn “Ken is the best! Every time he is on top of every possibility and every bump in the road. We will go no where else!”

Michael & Cindy Ennis

FacebookTwitterGoogle+LinkedIn “Kyle was very helpful with all aspects of my transaction.  He is very professional and the transaction went smoothly. Thanks, Kyle!”

Jeremy 

FacebookTwitterGoogle+LinkedIn “Kyle is very positive, knowledgeable and patient. And his support staff was very professional. We highly recommend them!”

Jim Gurule

FacebookTwitterGoogle+LinkedIn “We recommend Kyle Davis.  He kept us informed from the beginning of the loan to the end.  He was always quick to respond to any questions we had and made us feel secure in...

John Kunz

FacebookTwitterGoogle+LinkedIn “Thank you so much for supporting our baseball team! We had a great season and enjoyed having your son Thomas pitch for the cubs. We look forward to sending loans your way and again...

The Cubs

FacebookTwitterGoogle+LinkedIn “Thank you so much for all your hard work on our refinance Lynda. With the savings, we can put away extra funds to assure Kayla gets to college one day! We appreciate all the efforts on...

Tim and Leslie Keller

FacebookTwitterGoogle+LinkedIn “Lynda Plummer made buying our first home together a great experience. She was always on top of everything and went above and beyond the call of duty. Lynda drove our packet 3 hours away...

Mr. & Mrs. Kelsey

FacebookTwitterGoogle+LinkedIn “Nick has been a great support through this process. he helped us quite a few years ago. Knowing his skills and professionalism we came back again-and will again!”

Richard & Mary Johnson

FacebookTwitterGoogle+LinkedIn “Nick Rosen was fantastic! He answered all of my questions in a timely and courteous and clear manner. I really appreciate all of his help. ”

Anne Gordon

FacebookTwitterGoogle+LinkedIn “Nick is extremely professional and thorough! I never worried that anything would fall through the cracks and I knew he had my best interests in mind!”

Stephanie Bruzzese

FacebookTwitterGoogle+LinkedIn “Susan Woodhams is the best loan agent we have ever used! She is thorough, knowledgeable and very proactive. We would use her for anything in the future!”

Michael & Stephanie Olson

FacebookTwitterGoogle+LinkedIn “Several years ago a real estate agent gave me Susan’s business card and when I decided to refinance my home I gave her a call and I am so glad that I did! She...

Sylvia Mcdougall

FacebookTwitterGoogle+LinkedIn “Very happy to work with Susan Woodhams. Always very professional and understanding!”

Jason & Shalika Noriega

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