Purchase Mortgage Loans
Mortgage Loans for when you purchase your next property
Getting a great mortgage loan is an essential tool in buying a new home. Understanding home loans, mortgages, rates, programs, credit reports, terms etc. can be difficult. It's our job to make it easy for you and find you the best deal out there. It is also out job to make the home loan process as smooth as possible. Mortgage rates change daily and having a mortgage consultant who knows what they are doing is important. Having several home loan options provides you the ability to find the best mortgage loan for your needs. My team and I are committed to your satisfaction and we will do everything we can to find you the best home loan out there.
Owning your own home provides several long lasting benefits. In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions, say "good bye" to your landlord and take control of your living environment for you and your family. Finding the best mortgage rates and terms is vital for each client we help.
Whether you are a first-time home buyer, renter, or a seasoned investor, koloans.com has an assortment of tools and home loan programs to meet your individual financing needs. Use our easy-to-navigate site, or contact koloans.com by phone 800-550-5538 or email at kevin@koloans.com.
California home loans, mortgages for a California purchase loan or a California refinance loan. Home loans available in other states. Mortgage information available 24/7.
We can help you realize your homeownership dreams by offering you access to more than 100 banks and lenders.
- Low Rates
- Easy Online Application
- All Types of Mortgage Programs
- Guidance and Advice From an Experienced Mortgage Consultant who has years of experience
Determine how much you can borrow and buy with our pre-qualification calculator.
You can beat the competition and negotiate more effectively when you're pre-approved. Apply online now to be pre-approved before looking for your next home.
See how your equity and security can grow as a homeowner. Compare the benefits of owning vs. the cost of renting with our Rent vs. Buy Calculator.
California Home Loan Information:
Real Property vs. Personal Property: Something that may be owned is known as property. It can be realor personal. Anthying that is not real is personal property. Personal property includes money, movable goods, adn evidence of debt-such as a promissory note. Real property is immovable and is usually transferred or sold by a deed. (provided by R.E.F.)
Freehold Estates: The word freehold comes from feudal England. When the land owner was not subject to demands of the overloard and held the land freely, he held a freehold estate. This type of estate continues for an indefinite period of time and may be theestate of a homeowner or a landlord. It includes thebundles or rights. (provided by R.E.F.)
Estate in Fee: Sometimes known as a fee simple estate or a fee, this is the most compete form of ownership. Since an owner of an estate in feee may dispose of it in his or her lifetime or after death by will, it is also known as an estate of inheritance. (provided by R.E.F.)
Bundle of Rights: Possession-the rights to live on the property and the right to keep others out. Use-The right to use property, within the law, in any way, or for any purpose. Enjoyment-the right to peace and quiet withot being bothered by others. Encumber-the right to borrow mony and use property as security for the loan. Transfer-the right to sell property, give it as a gift or dispose of it in any way permitted by law. (provided by R.E.F.)
Find wholesale mortgage rates now from nationwide banks and lenders like Countrywide, Wells Fargo, Washington Mutual, Citibank, HSBC, New Century, Indy Mac, Greenpoint, World Savings, BNC, Chase and many more! Working with Kevin O'Connor you will have access to wholesale rates only offered to licensed mortgage consultants. Find out the difference in wholesale mortgage rates today! California mortgage loans, California home loans for refiance or purchase.
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