How to Choose Your Mortgage Loan

MORTGAGE INFO
FAQ
RESOURCES
CALCULATORS

“You're always there, making new things possible. It's a pleasure to work with you.”
Kevin Muir and Burnne Yew

We have long-term, preferred relationships with the leading lenders in the industry and offer an extensive choice of loan products. Whether you're a first-time buyer unsure of the down payment you'll need or a current homeowner looking to reduce the amount of your monthly payments, our experience helps us identify a loan that meets your personal financial objectives.

We prepare a thorough application package that lenders have come to trust. Then we monitor the application process every step of the way. This means you'll receive the best rate available and your loan will be completed on time.

Negotiating real estate financing for the first time can be daunting. We're glad to help you figure out how much money you'll need, what price range home you can afford, and provide tips to help you improve your credit rating. Once you're ready to start looking for a home, we'll provide a letter stating you've been pre-approved for a loan. Many realtors prefer to work with clients who have already started their loan application.

“Thank you for your helpful and timely advice concerning my recent refinance. I appreciate your honesty and integrity.” Cheryl Certo

Residential loans
Fixed Rates with 15, 20, 30 or 40 year amortization
Intermediate Adjustable Rate Mortgages (ARM) with fixed rates for 3/5/7/10 years
Adjustable Rate Mortgages
Home Equity loans and lines of credit

Specialized loans
Reverse Mortgage
Interest only loans
Stated Income / Stated Asset
No Doc (no income, no asset, no employment)
CalPERS
VA
100% financing
Vesting in Trust
On title only (not on loan)
Non-occupant co-borrowers

Non-residential loans
Lot and construction loans
Construction to permanent financing
Multi-family units
Commercial lending
Investment properties

Additional mortgage services
Equity buy-out
Pre-purchase planning and loan pre-approval

Do you have questions about how these products might apply to you? Feel free to call. Our goal is to help you obtain a loan that meets your financial goals so that you can own the home you want.

Find Out How to Choose Your Best Mortgage Loan from...

Woodward O'Connor Mortgage Associates
4980 Capitola Road, Capitola CA 95010
Ph. 831-479-3303
Fx. 831-479-3307
www.woodwardoconnor.com
loans@woodwardoconnor.com

California Home Loans • Mortgage Rates • Refinance Specialists