Atousa and Brian- Loan Officers powered by Full Circle Funding

A home appraiser will notice right away if you’ve cared for your property and prioritized internal and external updates and upkeep over time. A home appraiser’s role is to determine a home’s value by investigating the property’s location, square footage, condition, number of rooms and any renovations or additions, according to a home buying expert from realtor.com. They’ll also look at recent sales of similar homes in the neighborhood. Before the appraiser visits your hom...e, make sure you fix your leaky roof, and fix any obvious repairs that need to be done. If the counter top is worn out, or bathroom tiles need re-grouting, make sure it's done before the appointment. For a complete list of important tips to ready you for your appraisal, click here: http://bit.ly/FCF_HomeAppraisals

If you are looking to buy a home, we can help you realize your dream of home ownership! Are you interested in an FHA, VA, Conventional or Jumbo home loan? We can definitely help! We would love to walk you through the process, and are only a phone call away! (858) 229-8636

Does thinking about applying for a mortgage make you nervous? We are here to make your mortgage experience an easy one. Let us guide you through the steps and help you find the best mortgage option for your circumstances. We are only a phone call away. (858) 229-8636

A home equity line of credit (HELOC) acts like a credit card. The credit limit is based on the amount of your home equity. With a HELOC, you only pay back what you use. For example, if you get approved for a HELOC of $50,000 but only use $20,000, you'll only make payments on $20,000 plus interest not the full $50,000. Interested in a HELOC? We are happy to help! (858) 229-8636

"I worked with Brian Lopez on getting my loan. The process was super fast and painless. All of my questions were answered to my understanding as a first time buyer. Months after closing, he’s still quick to answer his phone if I need anything. I would recommend him to family and friends." - Kevin L. This is what we are here for, lending a helping hand so you can get a leg up on owning your own home. Please give us a call if you are getting ready to purchase a home. We will be happy to help and make sure all your questions are answered. (858) 229-8636

I have decided to stick with love. Hate is too great a burden to bear. Martin Luther King Jr. Yes, let us ALL stick with love.

If you want to get the biggest return on your investment in home renovation projects, you would be wise to concentrate outdoors. The 2020 Cost vs. Value report by Remodeling magazine found that nine out of the top 10 high-return projects are exterior replacement projects such as replacing your garage door or adding a deck. Only the minor kitchen renovation rivals the rate of return of most exterior projects. For a detailed look at the top 10 list please follow this link: bit.ly/FCF_ROIRenovations

Benefits of a 30-Year Fixed-Rate Mortgage - Lower payment: A 30-year term often means a more comfortable monthly payment. - Predictable: No fluctuating rates. Your payment is always the same amount. ... - Flexible: You can choose to pay the loan off quicker by making extra payments or including extra money to your regular mortgage payment. - Possibly qualify for more house: Lower payments could qualify you for a more expensive home. - Bigger tax deduction:You are able to deduct interest paid which can save you money because of the sizable interest one pays on a 30-year mortgage. If you have any questions please call us! (858) 229-8636

We want to wish everyone a Happy New Year! May this new year see your hopes, wishes and dreams come true!

"With all the loans I have done over the years, Atousa is by far the most responsive loan officer I have ever worked with. She continually updated me on the progress, helped walk me through difficult issues, was clear and precise with details, never rushed me however, guided me to meet deadlines, and was extremely professional. My loan was not an easy one to get done. I believe Atousa is the ONLY reason it went so smoothly." - J. Reynolds

We hope you are surrounded by beauty and comfort this Christmas season. Full Circle Funding wishes everyone a holiday of health and happiness, Merry Christmas!