Overview of Loan Programs:

We understand that each client’s financial situation is different and requires a customized analysis.  That’s why VJ provides a wide variety of financing programs to meet your customized needs.

Why talk to us at the start of your Home Search?

Pre-approval for a loan:  In today’s market, this is a critical tool in helping you negotiate for an attractive price

Price range analysis:  VJ will help you determine what price range you can afford, so that you and your real estate agent can target your home search more effectively.  Save time and energy!

First-time Homebuyer Best Practices:  VJ has accumulated a number of valuable personal finance and credit score tips to help increase your chance of securing financing at attractive rates and terms.   He will provide a free consultation to share these tips with you.

How we can help:

Work with multiple lenders:  With the recent interest rate cuts by the Fed, its crucial to have multiple banks competing for your business.  VJ can make this a reality.

Sort through various considerations, such as:

• When it makes sense to pay points and closing costs to get a lower rate
• When to trade your ARM for a Fixed rate
• Analyze the savings you would get vs. income tax impact