Mortgage Loans in California

California home loans by American Bancshares Mortgage

In today’s age, looking for the right home can prove to be one frustrating chore. But looking for the right mortgage lender can prove to be even more challenging. There are numerous options to choose from, especially here in California, where you’ll have countless California mortgage lenders who are more than willing to offer you the most amazing deal. But while such lenders and deals seem promising, it’s critical that you know not all mortgage loans in California will offer the same set of terms. More so, it’s equally vital that you’re aware only one lender will prove to be the most beneficial out of all others. And if you’re frustrated with trying to find the best California mortgage lender, then look no further than American Bancshares.

With 20+ years of experience gained through our provided work as well as our deep commitment to empowering communities, you can put your full trust into our team of professionals as they are the premier mortgage lenders in California. If you’re curious to learn about why you should choose us as well as what services we provide, then continue reading below.

Why You Should Choose American Bancshares as Your Trusted MLO in California

California home purchased through a mortgage loan in California through American BancsharesAmerican Bancshares is recognized far and wide as one of the most reliable and highly established MLO in California. For more than 20 years, our organization has helped to empower partners and even help communities. And because of this, our work has extended far beyond the state of California.

American Bancshares was designed and created by industry professionals who are deeply knowledgeable about the modern home financing market. Unlike a bank, American Bancshares only provides mortgage products, meaning that all our mortgage lenders in California are licensed and versed in mortgage lending, Not only are they qualified to offer you ethical and professional advice, they’re also devoted to helping you find the right loan with the greatest rate, terms, and cost-effectiveness to fulfill your best interests.

Our deeply driven passion for helping others comes from our core values of commitment, integrity, and transparency. Most of our team members — including our senior management — have held every single position in the mortgage industry, allowing us to gain insight into the industry from all perspectives. And thanks to this in-depth knowledge, we’re allowed to effectively and efficiently adapt to industry change while still being able to provide you with amazing service and first-in-class customer services that we’re so widely known for.

We possess leveraged technology to provide you with a simple, straightforward, online stress-free mortgage application experience. 

FHA Mortgage Loans in California

There’s a commonly believed myth that with low income and an even lower credit score, you’re not able to buy a house. However, this couldn’t be further from the truth. When you’re provided with a Federal Housing Administration (FHA) loan provided by an FHA-approved California mortgage lender, you can best believe that you’ll be able to buy property easily when you’re financially disadvantaged.

FHA loans are meant to help low-to-moderate income borrowers. They require a lower than the standard down payment and credit score. If you have a credit score that’s at least 580, your down payment can likely turn out to be as low as 3.5%. And if you possess a credit score that’s lower (say, somewhere between 500-579) you can still qualify for an FHA loan so long as you’re able to make a 10% down payment.

As mortgage lenders in California, we are deeply driven to continuously improve the quality of our communities. If you have a low credit score and need assistance paying for the acquisition of property, don’t hesitate to call us.

Jumbo Mortgage Loans in California

It may seem unlikely that you’re able to buy that luxury home of your dreams when you have little in the bank to pay for it. But it is possible when you’re approved for a jumbo mortgage loan.

Jumbo mortgage loans in California are designed to finance luxury property and even homes that are offered in highly-competitive local real estate markets. When you apply for once, you’ll undergo more rigorous and strict credit requirements than those applying for a conventional loan. However, because of our team’s expertise as California mortgage lenders, American Bancshares will be able to indicate if you’re eligible for a jumbo mortgage loan or not. If you possess an above-average credit score and a very low debt-to-income ratio, you may be able to qualify for a jumbo mortgage.

USDA Mortgage Loans in California

One of the best and most popular mortgage loans in California is the USDA mortgage loan (also referred to as the USDA Rural Development Guaranteed Housing Loan Program). This mortgage loan is offered to rural property owners by the United States Department of Agriculture.

When you have this loan, you’re given a zero down payment mortgage if you’re eligible for the loan.

VA Mortgage Loans in California

If you are an active service member, a veteran, or even the surviving spouse of either/or, you may qualify for a VA loan.

Being recognized as the best MLO in California doesn’t only come from hard work, it also comes from acknowledgment. And we acknowledge just how much of amazing service members of the military have done for our nation. This is more than why American Bancshares will gladly assist you by navigating you through the complexities of VA mortgage loans in California.

VA mortgage loans in California are designed to be generous, providing you with no down payment, no mortgage insurance, no-prepayment penalties, and no limited closing costs. No matter if you’re still in the military, a veteran, or even if you’re a surviving spouse, we can help you.

Reverse Mortgage Loans in California

You’ve been a resident in your home for a while and now you’re burdened with keeping up with mortgage payments. But if you’re 62 or older and possess considerable home equity you can borrow against the value of your home in whatever payment type best fits you. Unlike standard mortgage loans in California, reverse mortgages don’t require you to make any loan payments.

In today’s day and age, you have to be careful when applying for a reverse mortgage loan. The California mortgage lender you seek service from in regards to reverse mortgages might attempt to scam you. This is why you should always receive a reverse mortgage from a reputable MLO in California.

When you speak with us, we’ll be able to indicate to you if a reverse mortgage is the best course of action.

Hire American Bancshares For Their Mortgage Loans in California

When you’re ready to purchase your desired property and need assistance from a qualified California mortgage lender, pick up the phone and call the experts over at American Bancshares. American Bancshares has been trusted by numerous clients for not only their professionalism and expertise but also for their devotion to helping you become a part of a better community. You can trust that with our deep knowledge and handiwork, you’ll become absolutely satisfied with our services. For any inquiries, you may call us at 1-833-937-2276 or sign up for a free consultation online.

Our passion for growing communities

Servicing the community is driven by our core values of commitment, integrity, and transparency. Many of our team members and most of our senior management have sat in every chair of the mortgage industry, providing us with a full understanding of the business from all aspects. This in-depth knowledge is what allows us to quickly and efficiently adapt to industry change, while constantly providing you with superior processes and first-in-class customer service.

We have leveraged technology to bring you a simple, straightforward, online stress-free mortgage application experience.

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