Case Loans:

Why would the government impose higher fees on people with better credit scores and lower loan to value loans to help riskier borrowers with lower credit scores and less money down? This is the type of legislation that spells disaster. Please review the post and sign the petition to recall this ludicrous political posturing.

Sign the Petition STOP the FHFA's UNFAIR loan level price adjustments on mortgagees with GOOD CREDIT

And, Yes, we are still the Greatest Country in the World! Happy Presidents' Day!

Has anyone noticed the large increase in PG&E bills? Wow.

Ha,ha....Yup! And what a cool house.

As an active duty or retired military service member, you are entitled to exclusive mortgage benefits.

Our mission, is your home loan executed with a high level of extraordinary service ⭐️

✅Low Mortgage Rate
✅ No Down Payment
✅ No PMI Required
✅ Fast Closings - 30 days or less

Call us today, and let us show you the benefits of utilizing the Va loan to get you into a home you've always dreamed of. [email protected]

The loan-to-value (LTV) ratio is a measure comparing the amount of your mortgage with the appraised value of the property. The higher your down payment, the lower your LTV ratio.

Determining an LTV ratio is a critical component of mortgage underwriting. It may be used in the process of buying a home, refinancing a current mortgage into a new loan, or borrowing against accumulated equity within a property.

Lenders assess the LTV ratio to determine the level of exposure to risk they take on when underwriting a mortgage. When borrowers request a loan for an amount that is at or near the appraised value (and therefore has a higher LTV ratio), lenders perceive that there is a greater chance of the loan going into default. This is because there is very little equity built up within the property.

Have more questions?? Reach out and and let us know how we can help! [email protected]

Your credit score determines what type of mortgage and interest rate you'll qualify for, so it's important to take these steps BEFORE you start shopping.

We can help with more tips and tricks to help you strengthen your credit profile and get you positioned to obtain the best mortgage possible! [email protected]

Thinking of buying your first home? Attend the City of Vacaville's Housing Department's First Time Home Buyer Program on Saturday, July 9th from 8:30-4:30pm. Topics include Readiness & Preparation, Financing, Purchase Procedures and much more!

To register visit the Events page at CityofVacaville.com. Please contact Mary Decker for information or help with registration at (707) 449-5672 or via email at: [email protected]