Vik Randhawa, Broker Associate, Cal Coast Financial Corp

#Mortgage #HomeLoan #GetPreApproved Pre-Approval: Your 1st Step In Buying A Home Getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and it often helps speed up the process once your offer has been accepted.... Visit My Website www.calcoastmtg.com/vikrandhawa or contact me for an appointment VIK RANDHAWA Broker Associate / Sr Mortgage Consultant Cal Coast Financial Corp Fremont Branch NMLS #863215 DRE # 01906038 Phone: 510-258-4495 Email: [email protected] #VikRandhawa #BayAreaHomes #SiliconValleyHomes #FirstTimeHomeBuyer #MoveUpHome #ForeverHome #LuxuryHome #BayAreaRealEstate #BayAreaLuxuryHomes #BuyAHouse . . . . . 2019 #iBAMNRE

NEED A JUMBO LOAN? #HomeLoan #JumboLoan #GetPreApproved Contact Me! 510-258-4495 If you’re shopping for an expensive home, you may find that the amount you need to borrow exceeds the loan limits for traditional loans.... Your best option could be a jumbo loan, which allows you to borrow a larger sum of money for a property than a conforming loan. A conforming loan is a mortgage that conforms to Fannie Mae and Freddie Mac requirements regarding credit, debt and loan size. Jumbo loans are typically available with either a fixed interest rate or an adjustable rate, and they come with a variety of terms. Jumbo mortgages and conforming home loans have many similarities, but there are some key differences. Contact me to find out what it will take to qualify and get your pre-approved for a jumbo loan. VIK RANDHAWA Broker Associate / Sr Mortgage Consultant Cal Coast Financial Corp Fremont Branch NMLS #863215 DRE # 01906038 Phone: 510-258-4495 Email: [email protected] Visit My Website www.calcoastmtg.com/vikrandhawa or contact me for an appointment #VikRandhawa #BayAreaHomes #SiliconValleyHomes #FirstTimeHomeBuyer #MoveUpHome #ForeverHome #LuxuryHome #DreamHome #BayAreaRealEstate #BayAreaLuxuryHomes #BuyAHouse . . . . . 2019 #iBAMNRE

MORTGAGE CALCULATORS We have put together many calculators and tools to help you make sense of the numbers. They are all easy and fun to use. www.calcoastmtg.com/vikrandhawa/calculators-mortgage.php... Standard Calculator CalculateBiweekly Calculator Mortgage Affordability Calculator Mortgage Amortization Calculator Mortgage Refinance Calculator Visit My Website www.calcoastmtg.com/vikrandhawa or contact me for an appointment VIK RANDHAWA Broker Associate / Sr Mortgage Consultant Cal Coast Financial Corp Fremont Branch NMLS #863215 DRE # 01906038 Phone: 510-258-4495 Email: [email protected] #VikRandhawa #BayAreaHomes #SiliconValleyHomes #FirstTimeHomeBuyer #MoveUpHome #ForeverHome #LuxuryHome #BayAreaRealEstate #BayAreaLuxuryHomes #BuyAHouse . . . . . 2019 #iBAMNRE

#Mortgage #HomeLoan #GetPreApproved Pre-Approval: Your 1st Step In Buying A Home Getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and it often helps speed up the process once your offer has been accepted.... Visit My Website www.calcoastmtg.com/vikrandhawa or contact me for an appointment VIK RANDHAWA Broker Associate / Sr Mortgage Consultant Cal Coast Financial Corp Fremont Branch NMLS #863215 DRE # 01906038 Phone: 510-258-4495 Email: [email protected] #VikRandhawa #BayAreaHomes #SiliconValleyHomes #FirstTimeHomeBuyer #MoveUpHome #ForeverHome #LuxuryHome #BayAreaRealEstate #BayAreaLuxuryHomes #BuyAHouse . . . . . 2019 #iBAMNRE

I just couldn't pass up on this one :) Thanks mama for capturing the precious moment!!!! VIK RANDHAWA Broker Associate / Sr Mortgage Consultant ... Cal Coast Financial Corp Fremont Branch NMLS #863215 DRE # 01906038 Phone: 510-258-4495 Email: [email protected] Visit My Website www.calcoastmtg.com/vikrandhawa or contact me for an appointment #VikRandhawa #BayAreaHomes #SiliconValleyHomes #FirstTimeHomeBuyer #MoveUpHome #ForeverHome #LuxuryHome #DreamHome #BayAreaRealEstate #BayAreaLuxuryHomes #BuyAHouse . . . . . 2019 #iBAMNRE

NEED A JUMBO LOAN? #HomeLoan #JumboLoan #GetPreApproved Contact Me! 510-258-4495 If you’re shopping for an expensive home, you may find that the amount you need to borrow exceeds the loan limits for traditional loans.... Your best option could be a jumbo loan, which allows you to borrow a larger sum of money for a property than a conforming loan. A conforming loan is a mortgage that conforms to Fannie Mae and Freddie Mac requirements regarding credit, debt and loan size. Jumbo loans are typically available with either a fixed interest rate or an adjustable rate, and they come with a variety of terms. Jumbo mortgages and conforming home loans have many similarities, but there are some key differences. Contact me to find out what it will take to qualify and get your pre-approved for a jumbo loan. VIK RANDHAWA Broker Associate / Sr Mortgage Consultant Cal Coast Financial Corp Fremont Branch NMLS #863215 DRE # 01906038 Phone: 510-258-4495 Email: [email protected] Visit My Website www.calcoastmtg.com/vikrandhawa or contact me for an appointment #VikRandhawa #BayAreaHomes #SiliconValleyHomes #FirstTimeHomeBuyer #MoveUpHome #ForeverHome #LuxuryHome #DreamHome #BayAreaRealEstate #BayAreaLuxuryHomes #BuyAHouse . . . . . 2019 #iBAMNRE

LET'S DISCUSS YOUR MORTGAGE OPTIONS When you’re looking at different mortgage options with varying rates and terms, it’s sometimes hard to know what that means for you and your budget. Contact me so I can help you estimate how different aspects of your mortgage might affect you.... Monthly Payment Discount Points for a Lower Rate Home Affordability Calculator Visit My Website for easy to use calculators www.calcoastmtg.com/vikrandhawa/calculators-mortgage.php or contact me for an appointment VIK RANDHAWA Broker Associate / Sr Mortgage Consultant Cal Coast Financial Corp Fremont Branch NMLS #863215 DRE # 01906038 Phone: 510-258-4495 Email: [email protected] #VikRandhawa #BayAreaHomes #SiliconValleyHomes #FirstTimeHomeBuyer #MoveUpHome #ForeverHome #LuxuryHome #BayAreaRealEstate #BayAreaLuxuryHomes #BuyAHouse . . . . . 2019 #iBAMNRE

INTEREST RATE VS APR #Mortgage #HomeLoan Interest Rate: The cost of borrowing the principal loan amount (the amount of money you are being loaned) is called the interest rate. It can be fixed or variable, but it is always expressed as a percentage. APR: Includes the interest rate plus other costs such as fees, discount points, and some closing costs. Simply put, it is a broader measure of the cost of a mortgage. Like the interest rate, APR is always expressed as a percenta...ge. The interest rate calculates what your actual monthly mortgage payment will be. The APR on a loan measures the total cost of a loan. Use this standard calculator to find a monthly mortgage payment based on the loan amount, interest rate and loan term. http://www.calcoastmtg.com/vikrand/calculators-mortgage.php If you have any questions about APR or interest rates or wish to discuss our loan programs, don’t hesitate to contact me! VIK RANDHAWA Broker Associate / Sr Mortgage Consultant Cal Coast Financial Corp NMLS #863215 DRE # 01906038 Phone: 510-258-4495 Email: [email protected] Visit My Website http://www.calcoastmtg.com/vikrandhawa #VIKRANDHAWA #BayAreaHomes #SiliconValleyHomes #FirstTimeHomeBuyer #MoveUpHome #ForeverHome #LuxuryHome #DreamHome #BayAreaRealEstate #BayAreaLuxuryHomes #BuyAHouse . . . . . 2019 #iBAMNRE

Happy New Year dear friend. Don’t forget the past, learn from it and go out strong for your dreams and future. My best wishes are with you. #HappyNewYear VIK RANDHAWA Broker Associate / Sr Mortgage Consultant Cal Coast Financial Corp... NMLS #863215 DRE # 01906038 Phone: 510-258-4495 Email: [email protected] Visit My Website http://www.calcoastmtg.com/vikrandhawa #VIKRANDHAWA #Mortgage #HomeLoans #BayAreaHomes #SiliconValleyHomes #FirstTimeHomeBuyer #MoveUpHome #ForeverHome #LuxuryHome #DreamHome #BayAreaRealEstate #BayAreaLuxuryHomes #BuyAHouse . . . . . 2019 #iBAMNRE

#CashOutRefinance #HomeLoan #Mortgage Looking to add living space and value to your home? 7 ALL SEASON SUNROOM ADDITIONS #Remodel... Get More Out Of Your Home! Cash-Out Refinance Mortgage: A Good Way to Finance a Remodel Contact me today for a no-obligation consultation. Let's discuss your options. VIK RANDHAWA Broker Associate / Sr Mortgage Consultant Cal Coast Financial Corp Fremont Branch NMLS #863215 DRE #01906038 Phone: 510-258-4495 Email: [email protected] Website: www.calcoastmtg.com/vikrandhawa #VikRandhawa #MortgageBroker #BayAreaHomes #SiliconValleyHomes #FirstTimeHomeBuyer #MoveUpHome #ForeverHome #LuxuryHome #DreamHome #BayAreaRealEstate #BayAreaLuxuryHomes #BuyAHouse . . . . . 2018 #iBAMNRE

Rasneet's Dallas tour with her cousins :)

How To Save Thousands Of Dollars In Interest On Your Mortgage Paying a Little Extra Can Pay Off Big 1. Pay an additional 1/12th of your mortgage payment every month... Benefit: In the example above, adding $111.84 to your monthly mortgage payment might not seem like a lot, but each year you will have paid one extra month’s worth of payments which will shorten the term of your loan by 4 years and 8 months, all while saving you $42,000 in interest! 2. Pay an additional $50 per month towards your mortgage Benefit: Fifty dollars might not seem like enough to make a difference on the term of your loan, but that small amount will save you over $21,000 in interest and will take over 2 years off the end of your loan. Twenty-eight years from now, you’ll be happy to pay off your loan that much sooner! 3. Make one-time lump sum payments when you can Benefit: If you find yourself with a little extra money after a yearly bonus, a tax return, or from investment dividends, paying that money towards the principal can cut your costs. This option, however, is less predictable than the extra monthly payments. If you have higher interest debts, like credit cards, consider using any extra funds you have to pay those debts down before applying that money towards your mortgage. Also, if you do not plan on staying in your home for more than 10 years, paying extra toward your mortgage might not make sense. Bottom Line If you’re wondering what strategies would work best for you to shorten the term of your loan, schedule a consultation with VIK RANDHAWA, a Sr Mortgage Consultant who can answer your questions. VIK RANDHAWA Broker Associate / Sr Mortgage Consultant Cal Coast Financial Corp NMLS #863215 DRE # 01906038 Phone: 510-258-4495 Email: [email protected] Visit My Website http://www.calcoastmtg.com/vikrandhawa #BayAreaHomes #SiliconValleyHomes #FirstTimeHomeBuyer #MoveUpHome #ForeverHome #LuxuryHome #DreamHome #BayAreaRealEstate #BayAreaLuxuryHomes #BuyAHouse . . . . . 2019 #iBAMNRE

#HappyHolidays May this incredible time of giving and spending time with family and friends bring you peace and happiness that lasts throughout the year. If purchasing a home in 2019 is one of your goals, I can help!... Contact Me FOR ALL YOUR MORTGAGE NEEDS VIK RANDHAWA Broker Associate / Sr Mortgage Consultant Cal Coast Financial Corp NMLS #863215 DRE # 01906038 Phone: 510-258-4495 Email: [email protected] GET PRE-APPROVED http://www.calcoastmtg.com/vikrandhawa/apply.php #BayAreaHomes #SiliconValleyHomes #FirstTimeHomeBuyer #MoveUpHome #ForeverHome #LuxuryHome #DreamHome #BayAreaRealEstate #BayAreaLuxuryHomes #BuyAHouse . . . . . 2018 #iBAMNRE

Birthday celebrations for my nephew, and Christmas gifts for all the kids!!!! Goldy Kaur in Lucas, Texas