FREQUENTLY ASKED QUESTIONS

It is normal to have many questions when you are going into the mortgage process. Below, we answer some of the questions we
receive most frequently from homebuyers and homeowners.

What sets you apart from other lenders and banks?

One thing that sets us apart from other lenders and banks is the fact that we are small, local, and well-established. We have been a part of the community for more than 36 years, and during that time, we have built strong relationships with borrowers, realtors, and others in the area.

When you work with us, you will receive personal customer service and responsive communication.

Another thing that sets us apart is our bank statement loans, EZ Doc loans and stated income loans. Not all lenders offer these as an alternative to the traditional W-2 income verification process. We make it easy to apply for a mortgage without a W-2, whether you are self-employed, own your own business, or invest.

Can you close my purchase loan on time?

We can only answer this question specifically after speaking with you during your consultation and learning your timeline.

That said, we have a reliable loan process in place that we can easily adapt to the needs of each borrower. Because are skilled at avoiding or overcoming obstacles rapidly as they come up, we are confident that we can help you to close quickly.

Are your rates and fees competitive?

We think most borrowers will be pleased with their rates and fees when working with us. The exact rates and fees depend on your individual financial scenario. During your consultation, you can share your financial details with us for more specific estimates.

Do I qualify with my current credit score?

When we pre-approve you for a mortgage, we can check your credit score and tell you what you are likely to qualify for.

If you want to try and raise your score before you apply for a loan, we can give you advice that is tailored to your individual scenario.

Also, you do not need perfect credit to successfully apply for a mortgage. We offer loan products that feature easy credit approval with competitive rates. These include FHA, VA and USDA loans.

How much can I borrow?

As with rates, how much you can borrow is contingent on your credit score, income and other aspects of your financial situation.

We will issue a pre-approval letter to you that will state the amount you can borrow.

During your home search, share the letter with sellers so they know that you can afford to purchase their homes. When you are ready to make an offer, the letter will add weight to it.

Buy a Home in Oxnard or Refinance Now

We hope that you found some of the answers you were looking for in our FAQ. But if you have more questions, you can ask our friendly loan experts during your consult. Ready to get started? Please give us a call today at (805) 402-5302 to schedule your mortgage consultation.

See What Our Clients Are Saying About Us!

Financial Home Associates

“I have worked with Craig Maltman for many, many years. Feels like both grew up in the business! He is still my leder of choice. He returns call promptly of all house of the day and often night (and that is rare with todays lenders) and pulls off the impossible to get that all important loan approval. Try him and he will be your lender of choice for ever”

Emma Morata

Craig was wonderful to work with. He is responsive and made the process as seamless as possible. Would definitely go to him again for future lending!

John Guerrero

Craig was extremely helpful and totally there every step of the way through the whole process. He was very transparent and completely honest with everything he did for me. He was very knowledgeable and fast. I would (and will) use Craig again for any and all future transactions!

Lendsay Loaf

Craig helped me refinance my home. He got me a great rate and shaved 14 years off my mortgage with a negligible increase in my payments. Working with him was so easy, he is a great communicator and has always been available for questions. I would recommend him wholeheartedly.

Nicholas Hebert

I have had the pleasure of working with Craig for 5 years now. When my previous broker decided to close his lending division, it came as a surprise to the entire team. However without hesitation, Craig offered to take our team under his wing so that we were able to continue operating seamlessly without missing a beat. He is an extremely knowledgeable broker and a great leader, constantly adding new lenders so his entire team of loan officers can continue to offer our clients the best product options on the market. He also asks all of us for feedback when making decisions that affect the group which not all business owners do. Craig is not only a pleasure to work with, but a truly great person as well!

Linda Freeny

I have worked with Craig Maltman for many, many years. Feels like we both grew up in the business! He is still my lender of choice. He returns calls promptly at all hours of the day and often night (and that is rare with todays lenders) and pulls off the impossible to get that all important loan approval.Try him once and he will be your lender of choice for ever.

Antoinette Bartsch-Newhouse

If you want your loan to close, this is the place! Craig has helped clients achieve homeownership dreams that they did not believe possible. If you want a hard working lender; who thinks out of the box, look no further.

Buy a Home or Refinance in Oxnard Now

If you are ready to apply now for a flexible home loan in Oxnard or elsewhere in California, Financial Home Associates is standing by. To get started now, please give us a call today at (805) 402-5302 to schedule your mortgage consultation.

CONTACT

Financial Home Associates 1000 Town Center Dr #525 Oxnard, CA 93036

Find us on Google

Phone: (805) 402-5302
NMLS #873846

Financial Home Associates is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.