HomeTown Lenders

Yes, we still have down payment assistant programs available. Ask me about the best one for you!

I WANT TO BUY The short answer. With Us! Honestly, it is highly encouraged by most people in the Real Estate community to get pre-approved before heading out to find your dream home. Not only does it help you understand what you can afford but it shows buyers that you are serious about home ownership. Plus, it makes the process move so much faster, because you have already turned in the required information! So what are you waiting for? Let’s get started on your dream home!

We are offering great service, and incredible programs. If you are thinking of purchasing a home or refinancing, give us a call. Let’s walk through your options together and see what is possible!

What is a VA loan? Take a closer look at the link below to see what this specific loan has to offer. https://htlenders.com/pages/va

Did you know you can do your entire purchase, or refinance online? You can start by heading to this link! https://.htlenders.com

There are a lot of rumors swirling around and a lot of misinformation about rates and what is happening in the market. If you have any questions at all, about refinancing or purchasing a home during this time, the best thing you can do is give me a call. Reach out today, and let’s see what is available to you.

What does this mean? It means that we are still able to potentially close your loan in 30 days or less! We know how important customer service is and we want to help any way we can. Reach out to anyone on our team!

A NEW YEAR with NEW POSSIBILITES!!!

Wishing you a safe celebration!

Why you can trust us to help you!

We have a great team to get you in the door. Did you know you can meet with any one of our Loan Officers, at no cost to you? Get pre-approved and start hunting for your dream home. Click the link in our profile and set up an appointment today!

Want to know if you can afford for a home? Check out this link to get a rough idea on how much you can afford. https://www.daveramsey.com/blog/how-much-house-can-i-afford

Merry Christmas!

Find joy in your holiday traditions.

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.

What is PMI and how do I know how much I’ll need to pay? Take a closer look at this link to help you better understand private mortgage insurance and what your payment might look like. https://www.nerdwallet.com/article/mortgages/pmi-calculator

Enjoy the holiday weekend!

GSFA is a great program that is flexible. Take a closer look!

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

Call today and see if this loan is for you!