First Time Home Buyers is our specialty! - Buying your first home is a big step. It's the American Dream. You can do it and the INTERNET is a great place to start. You've got a lot of questions, concerns, anxiety. Down Payment? Cosigners? Gifts? 100% Financing? Fixed Rate, ARM, Interest Only? Credit? FHA? VA? Conventional? We have all the answers.
Buying a home can be as easy as 1-2-3 There are just a few things needed when buying a home.
1) Job History. We want to see you're working for the last 2 years. You don't have to have the same employer, but you should be working or have a good reason why you're not.
2) Credit. Good credit is a must today. Have you seen your current credit report? Getting a mortgage is typically a 30 year obligation. The best judge of your future bill payment habits are what has occurred in your past.
3) Savings. It costs $$$ to buy a house. There are down payment and closing cost requirements. Banks feel much more comfortable the more money you put down. First Time Home Buyer (FTHB) programs can also help you on the path to home ownership.
4) Appraisal. An impartial 3rd party tell us what the home is worth today. You want to be sure the home is worth what you've agreed to pay for it.
Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.
Today's Rates:
Mtg Loan
Rate
APR
30-yr Fixed
4.97%
5.13%
15-yr Fixed
4.33%
4.56%
1-yr Adj
4.27%
5.3%
* national averages
Mortgage Calculator:
Sales Price:
$
Down:
%
Interest Rate:
%
Term:
yrs
Monthly payment:
$
CA DRE Lic.# 01085620
Big Valley Mortgage 3000 Lava Ridge Court Suite 200 Roseville, CA 95661
CA DRE Lic.# 01085620
