Prudential California Realty is Central Coast’s Real Estate experts. Our first priority is you – always. It is our goal to provide you with the most innovative real estate services on the Central Coast.
As we have written about in the past, Santa Barbara and San Luis Obispo are great areas for buying a home. In fact, they are better than great considering San Luis Obispo is America’s Happiest City and neighboring Santa Barbara has just as much to offer.
With that in your mind, you might be wondering about what type of home loan is best for you. You know you need one, but like a lot of people, you may not be an expert. So which loan is best for you? For example, are you looking to build a home, have a loan that is easier to manage than most, or do you have bad credit? No matter what your situation, there are loans options for you.
Our Wells Fargo Home Mortgage partner, Bob Franklin, can help you. Understanding that your mortgage should provide features that fit your unique homebuying needs, he can assist you with providing the flexibility to help you manage the homebuying process and your home asset the way you want to. We know what you want and we help you get there.
If you have not applied for a home loan yet, but you are looking to increase your chances, take a look at our blog from last month where we tell you that the best tips are:
- Study and improve your credit
- Keep all of your financial and official documents nearby
- Studying what type of loan your situation may call for
Part of improving your credit involves paying down your debt including monthly payments on cards, student loans, credit cards, etc. While you do that, keep checking your credit score from all three credit bureaus. Preparing yourself before you delve into the homebuying process will save you from quite a few headaches. Furthermore, do not do anything that could potentially damage your credit even more like making large purchases.
After that, cultivate your patience. While we will assist you from the beginning to the end in the loan process, it is not always a day in the park while we work to get you to where you want to be.
If it is time to start reviewing the types of loans that are most appropriate for you and your needs, browse our page to see the wide array of mortgage products we have available.
If you have any questions or you are ready to start this process, we encourage you to call us at (805)489-2229 or on our toll-free number (800)417-2310.
Talk to you soon!
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