Pleasant Hill Mortgage Company
How Our Mortgage Company Can Help You
Our local Pleasant Hill mortgage company has been turning customers into homeowners for over twenty years. Our customers have always received our highest care and personalized service throughout the entire mortgage process.
We understand how frustrating and intimidating applying for a home loan can be. There are many unknowns. Perhaps you have been denied in the past or do not think you will qualify for a mortgage loan? Let our friendly and knowledgeable staff at JTS & Co., put those fears to rest. Whether you are looking for a home loan, refinancing, or want cash from your home's equity, our streamlined process will save you time and money.
Our mortgage lenders are here to help serve the Pleasant Hill community can show you what lowering your interest rate can do to your monthly mortgage payment. We have online resources for you, and we will guide you through the entire mortgage process. These days, obtaining a loan can be fast and easy, and most paperwork is handled online. Best of all, we make home ownership easy.
Let JTS & Co., Show You the Way to Home Mortgages in Pleasant Hill
A mortgage broker is a fully integrated mortgage lender. We love using the latest technology, and the power of the internet, to find you the best home loan for your specific circumstances. We are dedicated to bringing you efficient mortgage financing and superior customer service.
Best of all, we offer you a wide and diverse package of mortgage products including conforming, non-conforming, and government loan programs. We have a variety of options to help your family navigate through these uncertain times.
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Get to Know Our Pleasant Hill Mortgage Options
The most common types of mortgage loans are conventional loans. These types of mortgages follow the terms of conditions set by Fannie Mae and Freddie Mac. They are not insured by the federal government and have stricter guidelines for qualifying. Conventional financing allows for down payments of 5% or more, and your credit score should be 620 or higher. If you have good credit and income to match, a conventional loan should be at the top of your list when considering mortgage loan options.
There are also FHA loans to consider. An FHA loan is a government-backed mortgage. They are the easiest loans to qualify for, and as long as your credit score is 600 or above, you should have no problem. You may carry up to 50% debt to income ratios, and your down payment can be as low as 3.5%. Interest rates are typically lower than conventional loans and approvals are generally quick.
Veterans may qualify for VA loans. A VA loan is guaranteed by the U.S. Department of Veteran Affairs, which makes it government-backed. VA loans are specifically for men and women who are serving, or have served, in the armed forces. With a VA loan, there is no down payment required, no mortgage insurance, and your credit score can be as low as 600. There will be extra paperwork involved, but our Pleasant Hill mortgage broker will take care of that for you. In fact, we help you every step of the way with all our loans.
If there is a home that is a little more luxurious that you have your eye on, consider a jumbo loan. In 2021, the maximum conforming limit for a single-family home is $548,250. When you need a mortgage loan that is higher than this, a jumbo loan is a great mortgage option. Not many Pleasant Hill mortgage loan companies handle jumbo loans these days, but we still do. With a jumbo loan, your down payment is as little as 10% - 15% down, and interest rates are competitive and low. If you are looking to purchase that luxury home and do not know where to begin, let our Pleasant Hill mortgage loan specialists show you how a jumbo loan can help.
Finally, there is the mortgage refinance option. When you decide to refinance, you are taking advantage of lower interest rates. With a refinance, you can also shorten the term of your mortgage loan, consolidate debt, combine a second mortgage in with your first mortgage, or switch from an adjustable-rate to a fixed-rate mortgage term. Eligibility is just like that for conventional or FHA loans.
What to Know About Mortgage Terms?
Common mortgage terms include:
30-Year Fixed-Rate: This type of term requires that you make payments for 30 years at the same interest rate. The interest rate never fluctuates, and if you have a steady year-to-year income, this type of term was made for you.
15-Year Fixed-Rate: Fifteen-year fixed rate terms require you to make payments for 15 years at a fixed rate. There are benefits over a 30-year fixed-rate loan, such as paying less interest over time and lower interest rates than a 30-year loan. Keep in mind that your mortgage payment will be higher because you only have 15 years to pay off the loan and not 30 years.
5/1 ARMs: All Adjustable-Rate Mortgages (ARMs) begin with a period of fixed interest. If you have a 5/1 ARM, your period of fixed interest is for 5 years. After that, your lender will recalculate your interest based on what the market interest rates are. Your interest rate will change as market interest rates rise and fall.
Which Pleasant Hill Mortgage Lender Will You Choose?
Why speak with aggressive salespeople or deal with heavy documents when you do not have to? Not all Pleasant Hill mortgage companies can offer you the same great products that we do. For over 20 years, we have been helping our customers become homeowners. With our fast and easy process, we have the online resources to help you every step of the way.
At JTS & Co., we offer you:
- Low interest rates
- Quick approvals
- Great mortgage products for all your needs
- Knowledgeable and expert staff
- Streamlined process from beginning to end
- Quick closing times
- Trust is our middle name
Why wait any longer? Let the Pleasant Hill mortgage specialists at JTS & Co. get you the loan you need today.