So, it’s time to embark on the great journey of owning a home. The first and one of the most important steps is to get pre-approved for the right one of a variety of home loans. Determining what fits your budget, how much you want to put as your down-payment, and what will give you the lifestyle you desire enables you to shop for and buy your dream home with confidence.
Get started on your journey today by speaking about the home loan Roseville homebuyers trust to help them purchase Real Estate in the Sacramento Valley. Your mortgage specialists at Iron Point Mortgage are committed to advising you on your available options and making sure the process is smooth and successful.
Whether you are planning to purchase or refinance, you can depend on our loan team to make sure you have the best home loan Sacramento CA owners feel confident using. Iron Point Mortgage is your resource for home loans of all types and sizes and our lending professionals will assist you with all your mortgage needs. With the breadth of mortgage products at our disposal, we know we can provide you a mortgage option that will meet your needs.
With office located in Roseville and Folsom, Iron Point Mortgage helps families get the right mortgage to help them in their home buying journey in the communities of Sacramento, West Sacramento, North Sacramento, South Sacramento, Roseville, Rocklin, Folsom, Carmichael, Rancho Cordova, Citrus Heights, El Dorado Hills, Auburn, Cameron Park, Granite Bay, Woodland, Penryn, Loomis, Newcastle, Meadow Vista, Colfax, Lincoln, Shingle Springs, and Placerville.
For Sacramento Home Loans, call us at (916) 985-3200
Take advantage of our Free Homeowners Strategy Session
More than a Mortgage Banker
At Iron Point Mortgage, we pride ourselves on being more that a mortgage banker. Our mortgage lenders know the local REALTORS®, appraisers, inspectors, and so much more. Our customer service also includes providing key information about local schools, commerce, and demographics. We have state-of-the-art technology that makes the loan approval and funding process as easy and fast as possible. We are your partner throughout the home buying process, and will be with you every step of the way
At Iron Point Mortgage, located in Roseville and Folsom, our lenders will answer your mortgage questions, give you the guidance you need to fund a down payment, and get you approved on a low interest home loan all while delivering personal customer service that can’t be beaten. Let us show you a hassle-free process from application to closing with our “Less paperwork and more individual attention” promise.
Getting the best mortgage loan can be as satisfying as acquiring the keys to your own house. Our trusted mortgage pros can ease your fears and make the purchase of your dream home smooth and efficient.
Home Loans, Mortgages, Lending…Oh My!
Purchasing a home may be the biggest financial commitment of your life and one of the most intimidating decisions you will ever make. You need a partner you can trust and rely on to guide you through the process. Let our home loan professionals not only recommend the best mortgage product to meet your needs, but also to introduce you to the right Realtor, help you navigate the different communities and subdivisions, and learn more about schools and other things important to your decision.
Trying to get approved for a home loan and into your first home in the Sacramento, CA, area can bring a mixture of emotions – excitement, nervousness, and uncertainty.
We know what is important in the home buying and refinancing process, because we have helped hundreds of homebuyers just like you in Sacramento, Roseville, Granite Bay, Folsom, and other communities. The key to home buying peace of mind is to understand the loan process. This will help you know exactly what to expect when you apply and get approved for a mortgage loan.
With a little effort and the guidance of Iron Point Mortgage, you will be holding the keys to your new home before you know it!
Understanding the Home Loan Process
Here are some simple tools and guidelines to help you get started:
Use a Loan Calculator
Our loan calculators will provide a basis to calculate what you can afford and what your monthly payments will be. Using a loan calculator to determine how much house you can afford is a great place to start when you are thinking about buying a home. Go to our Mortgage Loan Calculator page to choose from a selection of mortgage calculators.
Get Pre-approved for a Home Loan
You will want to get pre-approved for a home loan from a lender before you begin house hunting. This will determine exactly how much home you can afford in the Sacramento area. In the pre-approval process you will work with one of our mortgage loan originators. We will review your income, assets and credit worthiness. We will then provide a hassle-free loan approval with our “Less paperwork and more individual attention” promise. Contact us to get pre-approved on a great home loan today!
Specialty Loan Programs
There are several programs available to help first-time homebuyers, state workers, teachers, veterans, and even people living in rural areas, so it is important that you take the time to talk with one of our mortgage loan specialists about what option best fits your needs. We can walk you through the various options available to you such as the 3.5% down-payment FHA Loan, 0% down-payment VA Loan, 5% down-payment conventional loan or a Jumbo Loan over $474,950.
Mortgage Loan Approval
You’ve made an offer on a home and the seller accepted it…now what? Now your loan will go into the “processing” stage.
Here, with the help of your real estate agent, you will execute the purchase contract and title company information to your loan. Once your loan is processed, it will go to our in-house underwriter for approval.
After your loan is approved, your loan documents are prepared and submitted to the title/escrow company for you to sign. To help you through the loan signing process, your mortgage loan originator will attend the signing to answer any questions you might have. After you have signed the documents, the title company will send them back to the mortgage lender for funding. Once your loan has been funded, your mortgage loan is ready and you have successfully purchased your new home.
If you are ready to start the pre-approval process, click here for our online home loan application.
For more home loan information and mortgage advice, contact Iron Point Mortgage in Roseville or Folsom. Our home loan pros help people in the communities of Sacramento, West Sacramento, North Sacramento, South Sacramento, Roseville, Rocklin, Folsom, Carmichael, Rancho Cordova, Citrus Heights, El Dorado Hills, Auburn, Cameron Park, Granite Bay, Woodland, Penryn, Loomis, Newcastle, Meadow Vista, Colfax, Lincoln, Shingle Springs, and Placerville buy the home of their dreams.
We serve areas in Roseville and Sacramento, CA such as Carmichael, Rancho Cordova, Auburn, Granite Bay and other communities. To find out more, visit our Contact Us page and fill out the form or call us at 916-985-3200 to speak to a Mortgage and Home Loan Professional.