Guerneville, CA Home Loan
Hundreds of home buyers across Guerneville, CA are ready to buy a home or refinance. Consumers shopping for mortgage rates should always get a minimum of two quotes. Knowing the difference between wholesale mortgage brokers and retail lenders or banks could save you thousands over the life of your Guerneville home loan. When it comes to buying, we have solutions for less than perfect credit and even those with little savings or down payment. To help home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates. We simplify the home buying and refinancing challenges presented by 2024 Guerneville mortgage guidelines. Our mission is to get you approved and into the best home loan Guerneville has to offer. 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!
Home Loan Options
When it comes to Guerneville, California home loan options we have them all. Every day Guerneville welcomes new home buyers while current residents refinance their homes.
Home Buyer Options
Home buyers with good credit are settling for our conventional loan with 3% down, some opt to keep the savings in the bank and get a grant to cover the down payment. Our fair and bruised credit borrowers like the FHA mortgage option, programs start with lower credit scores and FHA grant options are still an option pending FICO scores. Refinancing Options When it comes to refinancing your Guerneville, CA home you have options. Rate and term, cash out, and debt consolidation are all common reasons to refinance a home. When mortgage rates drop consumers refinance to a lower rate to save on their payment. Some consumers who have adjustable rate mortgage loans refinance into a fixed rate. Those looking to pay off the mortgage faster will often refinance to a shorter term, example from a 30 year fixed rate to a 15 year fixed or even a 10 year fixed term. When consumers are feeling the stress of high interest credit card debt a debt consolidation refinance might be the right option. Paying off high interest debt into a low 30 year fixed rate makes for the ultimate stress reliever. Consumers are also taking cash from their equity to invest in other properties, take a well needed vacation, or even pay for college tuition. Home loan experts near Guerneville, CA are standing by and ready to help. Connect with a licensed Guerneville home loan specialist, ask questions, see if you qualify, and get free quotes. Call (888)416-0920
Mortgage Brokers near Guerneville, CA
When it comes to Guerneville, CA home loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Guerneville 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 Guerneville, 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 Guerneville can work with all types of credit scores.
Working around Credit Issues with Top Rated Specialists
The Guerneville home loan team is celebrating its 26th year in business. Our experience allows for consumer mortgage confidence especially with local home buyers and those looking to refinance. We navigate consumers through the mortgage process, explain options and find what choice works best for you.
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Home Loan Benefits in Guerneville, CA
- No Application Fee
- Wholesale mortgage rates
- A+ Rating with the BBB
- Refinance with Cash Out
- Grants for New Buyers
- 5 Star Excellent Rating
Find your Home Loan near Guerneville, CA (888)416-0920.
Guerneville (/ˈɡɜːrnvɪl/ GURN-vil, incorrectly /ˈɡɜːrnivɪl/) is an unincorporated community and census-designated place in the Russian River Valley of Sonoma County, California, United States. The town is historically known for the logging community, formed in the late 1800s. Guerneville is also known for its natural environment, liberal atmosphere, and proximity to wine-tasting and redwood forests. It was founded by the Guerne family in the 1850s.
Guerneville is built adjacent to the Russian River. Redwoods grew in the riverbed with such vigor that just a few centuries ago, the valley had the greatest biomass density on the planet, according to local lore.[citation needed] The local Pomo Indians used the area as a summer camp and called it “Ceola” (/ˈsiːoʊleɪ/ or cee-oh-lay) which meant “shady place.” Except for a large stand of ancient trees preserved in the Fife Creek watershed, now the centerpiece of Armstrong Woods Park, many of the trees were logged in the late 19th century and the early 20th century, giving rise to the first English name for the place – “Stumptown.” Logging in the area boomed after vast amounts of lumber were needed for rebuilding after the 1906 earthquake. The annual town parade still commemorates the old place name by calling itself “Stumptown Days.” The present name Guerneville was introduced to honor Swiss immigrant George Guerne, a local businessman of the 19th century who owned the town’s sawmill.[3] By 1870, there was a U.S. Post Office in Guerneville; it was listed by the name “Guerneville”.[4] Although locals may be found selling T-shirts that say “Don’t call it Guerneyville” (alluding to the “GURN-vil” pronunciation),[5] many have called the town “Guerneyville”[6] in spelling and pronunciation since the 1800s.[7] The extensive redwood forests on the surrounding mountains are less than 200 years old, having been replacement plantings for much of the logging done in the 19th century.