Mountain Ranch, CA Home Loan
Hundreds of home buyers across Mountain Ranch, 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 Mountain Ranch 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 Mountain Ranch mortgage guidelines. Our mission is to get you approved and into the best home loan Mountain Ranch 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 Mountain Ranch, California home loan options we have them all. Every day Mountain Ranch 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 Mountain Ranch, 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 Mountain Ranch, CA are standing by and ready to help. Connect with a licensed Mountain Ranch home loan specialist, ask questions, see if you qualify, and get free quotes. Call (888)416-0920
Mortgage Brokers near Mountain Ranch, CA
When it comes to Mountain Ranch, CA home loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Mountain Ranch 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 Mountain Ranch, 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 Mountain Ranch can work with all types of credit scores.
Working around Credit Issues with Top Rated Specialists
The Mountain Ranch 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.
Get on the Path to a better home loan. We got your Back!
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Home Loan Benefits in Mountain Ranch, 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 Mountain Ranch, CA (888)416-0920.
Mountain Ranch (formerly, El Dorado and El Dorado Town) is a census-designated place (CDP) in Calaveras County, California, United States. The population was 1,628 at the 2010 census, up from 1,557 at the 2000 census. The town is registered as California Historical Landmark #282.[3] The town center is quite small with fewer than 50 people living in it. The 5 mile square area surrounding the town accounts for the balance of the population.
The settlement was established during the California Gold Rush.[4] Mountain Ranch’s post office was established in 1858.[5] In 1868, it was moved to another town called El Dorado Camp 1.5 miles south, as there was already an El Dorado post office in California, El Dorado Camp became known as Mountain Ranch. Currently, there are 3 post office buildings in the town. The present one, a small post office which was built in 1956, and a post office built in 1923 which was once billed as the world’s smallest post office. The original location of the town of Mountain Ranch also has a historical landmark. The bell on the historical marker was used in the local school from 1885 to 1953. Established as Cave City School District in 1855, this school joined with the Banner District in 1946 to become the El Dorado Union Elementary School District. In 1942 the last of the gold mines closed.[4] Further economic losses took place in the 1970s, when local saw mills shuttered, and also in 1983 when the Calaveras Cement Co. closed.[4] In 2015, the town was ravaged by the Butte Fire. More than 350 homes[4] along the outskirts burned, but firefighters and local ranchers were able to save most of the downtown.