Shelly Lopez

Love your mortgage experience with us!

This is a simple little trick we tell our clients. When you meet with us to get pre-approved all you need to remember is 2-2-2 Rule. 2 - pay stubs 2 - years taxes 2 - months bank statements. This is all you need to get started. Not too overwhelming, right?

Every financial story is different, every loan is different. Let me help you find the right loan for the next chapter in your family story.

https://www.daveramsey.com/blog/what-is-earnest-money

We are a national company, but we are Bakersfield first. This is our home, and we want to make this city your home too. Contact me today and let’s get you pre-approved! Ally Swen Photography

Debt to income ratio, or DTI, refers to how much debt you have in comparison to your income. Evidence from studies of mortgage loans suggests that borrowers with a higher DTI are more likely to have trouble making monthly payments.

Enjoy the holiday weekend!

We are here to help you through the entire process making sure all the pieces come together smoothly.

In this uncertain time, it is hard to know what the right move is. It is always best to talk to a lender to see what you can afford and whether now is a good time to purchase or refinance. We are here to help, call today!

GSFA is a great program that is flexible. Take a closer look or give me a call.

Now is a good time to refinance and get those projects done in time to enjoy the holidays.

I'm sure you have plenty questions about programs, the market, whether to buy or wait it out. The truth is, no one can help you with these questions better than a Lender, especially someone from our team. Call today, and let's take a look at all of the details together. We are here to help!

HomeTown Lenders has a great website to help you learn more about the different loan programs available to you. Check it out here! https://htlenders.com/pages/loan-programs