This section features mortgage program information for home buyers interested in real estate in Santa Ynez, Los Olivos, Solvang, Ballard, Buellton, Santa Barbara and surrounding Santa Barbara County, CA areas. 

In order to help you with your next home purchase, I have put together a simple review of some of the major mortgage programs.

Variable or Adjustable-Rate Real Estate Mortgage
With an adjustable rate mortgage, the rate of the loan can change throughout the term of the loan. Many ARMs have a short fixed period and then become truly adjustable. The rate of the loan is based on adding points to a fixed base.

Fixed-Rate Real Estate Mortgage
With this type of loan, the interest rate remains consistent throughout the term of the loan.

Balloon Real Estate Loan
A balloon loan is a real estate loan where there is a lump sum due at the end of the loan. This normally encourages an individual to refinance prior to the end of the term of the loan.

Jumbo Real Estate Loans
A jumbo loan is any residential or commercial loan exceeding the guidelines of Fannie Mae and Freddie Mac.

FHA Real Estate Loans
An FHA loan is a loan in the United States that is insured by the Federal Housing Administration.

VA Real Estate Loans
A VA loan is a loan in the United States guaranteed by the Veterans Administration. The loan may be issued by qualified lenders. The VA was designed to offer long-term financing to American Veterans or to their surviving spouses.

In order to answer your help assist you with any of your mortgage needs, I have provided you with this simple form. This form will help me assist you with any of your real estate or home financing needs. Thanks again for visiting and please note that your information will be kept strictly confidential. If you have other real estate needs here in Santa Ynez, Los Olivos, Solvang, Ballard, Buellton, Santa Barbara, and surrounding Santa Barbara County, CA areas, be sure to contact me today.

Do you need additional information regarding getting home financing and real estate mortgage services in Santa Ynez, Los Olivos, Solvang, Ballard, Buellton, Santa Barbara or in any other surrounding Santa Barbara County, [STATE] area? Please fill out the following short real estate mortgage information request form. All inquiries will be responded to in a timely fashion and your information will be kept strictly confidential.