If everything you knew about mortgages turned out to be wrong … when would you want to know?

John Morgan
Phone: 909-240-3731

Fax: 909-941-8493

John@MajesticHomeLoans.com

I specialize in advising my clients in choosing a proper mortgage product to fit their short & long term goals and needs.

While the media discusses how to save money on a mortgage, I educate my customers on how to use their home to accomplish goals in their live.

I teach my customers how to structure their mortgage financing to accomplish their goals:

Provide for the safety of your assets

“Americans devote the largest portion of their incomes to housing.

Do you really just need a mortgage?

On-line and big institutions want to reduce the mortgage application to a do-it-yourself or clerical process. This fails to consider issues like those above and:

• Talking to the client to find out the proper loan product to fit their needs.
• Loans are complex, there's thousands of different programs, and most people only know of ones they have read about or that uncle Joe told them to get.
• Capital gains and recent tax reform.
• Tax-advantaged, cash-flow savings ignored by 96% of homebuyers.
• The rising prevalence of pre-payment penalties.
• Cash flow advantages of waiving escrow accounts.

Areas of Expertise: 

Over the last five years I've been providing a lot of 100% financing home loans.  Because the increase in home prices for the southern california area many of my mortgage clients did not have enough savings to even put a dent in the monthly payment by using a downpayment.  So I've recommended to use their savings as a cash reserve for future mortgage payments and to purchase using a no money down loan that I have access to.  100% house financing is not for everyone, I need to find out your financial situation to plan for your housing expenses and qualify you for a home loan.

So my expertise is in customer service and finding the best loan to fit your current needs.  At this time for probably 75% of clients that has been through 100% loans, loans that are fixed with interest only options and short term fixed financing that turns into an adjustable loan in a certain period of time, these loans are ones such as: 5/1, 7/1,10/1. For people who expect to have a higher income in the near future, 5,7,10 years down the road, they can take advantage of this money saving mortgage and apply for a loan with a smaller interest rate so they will be qualified for a home larger than they can currently afford,

Stated income mortgage loans have been super popular loans for a few years now. Originally made for the wealthy who didn't have time to gather 5000 pages of tax documents and spend a month finding all of their companies records - they could simply "state" their income and banks said ok, a reminder that these loans are normally for people who have good to excellant credit scores and are typically self employed business owners, commission based salespersons, and people who have fluctuating income from month to month.  Their are state income loans for people who have regular w-2 job income - inquire with us on these types of home loans.

I focus on your big picture in a personal consultation.

The consultation is free. Discover how the right mortgage can help you make money ... not just save it.

Call or e-mail me to schedule your personal consultation.