Hundreds of first time homebuyers across Carpinteria, CA are ready for home ownership.  Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help first home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates.  We simplify the home buying challenges presented by 2024 Carpinteria mortgage guidelines. Our mission is to get you approved and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

• Review your finances to find a payment you can afford.
• Improve your credit score if needed to qualify.
• Obtain pre-approval to shop for the home of your dreams.
• Secure a loan and purchase your new home!

First time homebuyers in Carpinteria, CA have so many options.  With a CONVENTIONAL or FHA mortgage, borrowers can buy with as little as 3% down.  For those who still lack the down payment check out our First Time Homebuyer Grant.  For Veterans (VA loan) or those looking to buy in rural areas (USDA Loan) we have no money down options.  New Alternative mortgage programs in 2024 give homebuyers the option to qualify even with bank statements.  First time homebuyer experts are standing by near Carpinteria, CA and ready to help.  Connect with a licensed first time homebuyer specialist, ask questions, see if you qualify, and get free quotes. Call (888)416-0920

When it comes to Carpinteria, California home loans, Mortgage Brokers have more options.  Regardless of what a consumer thinks, Carpinteria Mortgage Brokers offer a wholesale rate and lower costs.  Going directly to the bank or a mortgage lender is not a better option.  If you are in doubt, it is always a good idea to get a couple of quotes and compare them.  If you still don’t understand the difference between wholesale and retail mortgage rates call (888)416-0920.  A Carpinteria, CA Mortgage Broker will be able to offer you more programs.  Banks and Lenders have set mortgage guidelines including set credit score limits.  Mortgage Brokers in Carpinteria can work with all types of credit scores.

The Carpinteria home mortgage team is celebrating its 27th year in business.  Our experience allows for consumer mortgage confidence especially with first time home buyers.  We navigate consumers through the mortgage process,  explain options and find what choice works best for you.

• Little to no money down
• Wholesale mortgage rates
• Bruised credit excepted
• Bankruptcies, Foreclosures, Short Sales Okay
• Grants for down payment
• Gift Funds Allowed

Find your First Home Loan near Carpinteria, CA (888)416-0920.