Rail Road Flat California First Time Homebuyer | Find a Mortgage Broker Near Rail Road Flat, CA

Rail Road Flat, CA First Time Homebuyer

Hundreds of first time homebuyers across Rail Road Flat, 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 Rail Road Flat 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!

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First Time Homebuyer Options

First time homebuyers in Rail Road Flat, 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 Rail Road Flat, 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

Mortgage Brokers near Rail Road Flat, CA

When it comes to Rail Road Flat, California home loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Rail Road Flat 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 Rail Road Flat, 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 Rail Road Flat can work with all types of credit scores.

Working around Credit Issues with Top Rated Specialists

The Rail Road Flat home mortgage team is celebrating its 26th 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.

Get on the Path to Home Ownership. We got your Back!

My wife and I had the pleasure of being assigned to Ryan Sr. Loan Officer. He was polite, patient, professional and most importantly prepared throughout whole process. Ryan crunched numbers with impressive accuracy, explained documents line by line when we had questions and let us know what to expect so there wouldn’t be any surprises. Ryan is very knowledgeable and had no problem answering questions and sharing very important details which made us feel good about picking Smart Mortgage. Thank you Ryan for all your help and advice.

Frank & Anna

We applied with other lenders but had been turned down, but Smart mortgage worked with us so we can have our dream home! Our lender Jon, walked us through the process and was very helpful in answering questions promptly. He made the process easy for us. Jon always kept in daily communication with us, so there were no surprises! He made himself available anytime…..even when he was on vacation! The online submission of documents was very easy. Overall we think Smart Mortgage is an excellent company willing to work with people with blemished credit and give them the opportunity to live their dream of home ownership.

Wesley C

We worked with Brian who picked up our loan after our original broker quit working with us. I’ve never seen a more determined, hard working, and dedicated broker in action! Brian was amazing! We could write a book about our experience, bottom line… I wouldn’t work with anyone else or refer to anyone else. He gets it done!

Desi M

I highly recommend working with Jon for a home loan product. He handled our jumbo loan with the highest integrity and detail. In particular, he helped navigate the legal details associated with our land trust. Our experience was exceptional and will work with Jon in the future.

Erik H

I highly recommend choosing Brian as your Mortgage guy to make sure you get the house you want. He will make sure everything is done and not only in a timely manner but it gets done correctly. Your closing will go so smooth and there are no surprises with Him! He will be with you from beginning till the End! You will not be disappointed with his service!

Annie P

Anthony exceeded our expectations in all aspects,going above and beyond he kept us in the loop throughout the whole process and in finding us ways to keep our final expenses as low as possible I feel we got the best deal we could have. We are very happy with our choice.

Debbie S

Anthony was great to work with and was very thorough with explaining the whole process. He was a huge help with any questions we had. Will definitely recommend to friends and family.

Sergio V

Worked with Jon on a refi and it was terrific. My situation was a little bit complicated based on a few moving parts, however, the process went very smooth and all my options were clearly explained as we went along. I’m very pleased with the outcome.

John C

Very impressed. Jon walked me thru a difficult refi of 2 properties simultaneously. Always a quick response to any of my concerns. Would definitely recommend working with them.

Sue S

The very first time I spoke with Patty on the phone, I knew I would work with her to find my mortgage. Patty has a calm and confident approach to her work that illustrates her knowledge of the industry, The counsel she provided helped position me in a favorable position to buy my dream home. I would definitely recommend Patty to family and friends, and look to work with her again in the future.

Chris C

First Home Buyers Rail Road Flat, CA

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First Homebuyer Benefits in Rail Road Flat, CA

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 Rail Road Flat, CA (888)416-0920.

Rail Road Flat (formerly, Independence Flat[2] and Railroad Flat) is a census-designated place (CDP) in Calaveras County, California, United States. The population was 475 at the 2010 census, down from 549 at the 2000 census.

This historic mining town, elevation 2,600 feet (788 m), was named after primitive mule-drawn ore cars used here. There was never actually a railroad here. The town was established in 1849. It was the site of an Indian council as well as the center of rich placer and quartz mining. Its largest producer was the Petticoat Mine. The post office was established in 1857, closed in 1858, and re-established in 1869[2] and the Edwin Taylor store built in 1867. The town’s population was decimated in 1880 by black fever.

Rail Road Flat, CA First Time Homebuyer

First Time Homebuyer Options

Mortgage Brokers near Rail Road Flat, CA

Working around Credit Issues with Top Rated Specialists

Get on the Path to Home Ownership. We got your Back!

First Home Buyers Rail Road Flat, CA

Get Pre-Qualified Now

First Homebuyer Benefits in Rail Road Flat, CA

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