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low mortgage rates for a purchase loan


We Offer A Quick Closing Process  
 

With our streamlined approval process, and our wide variety of loan terms we can close most purchase transactions in less than 30 days-sometimes as little as 2-3 weeks.  Primary residence, secondary home or even an investment property-we have the experience and loan options to make sure you have a quick and smooth transaction.   

  

1-800-550-5538

Obtain A Free Quote Here 

 

 

Getting a great mortgage loan is an essential tool in buying a new home.  Understanding mortgage terms, the loan process, rates, programs, credit reports, etc. can be difficult but we can maker it easy.  It's our job to make sure you not only obtain a low rate mortgage and smooth closing but also understand the mortgage process.  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. 

We are the Number 1 rated California Mortgage Company on Mortgage101
the web's leading site for mortgage information. 

California mortgage rates

 

California Home Loan Tip:  When looking to buy your next home be sure to set your short, medium and long term goals ahead of time.  Trying to figure this out on "the fly" will only result in poor decisions.  Making sure you secure a great California Home Loan is essential to your financial future.  Planning ahead can only make that job much easier.  And don't hesitate to talk with your Mortgage Consultant and ask for any suggestions on how to best structure your new home loan.

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, 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 at  800-550-5538.

We can help you realize your homeownership dreams by offering you:

-Low Rates
-Fast and Easy Closing process 
-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 onlinenow 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.   

         

"Dear Kevin, Thank you so much for making our first home buying experience a pleasant one. With any home purchase there can be many pitfalls, and I appreciate the way you were able to guide us through the process (even when I was freaking out a little). Your prompt replies to my questions, and eagerness to run different mortgage scenarios for my wife and I really helped us find a mortgage that fits our needs. I will be happy to refer my friends to you. Everything went off without a hitch, and we love our new home!"

 Mike and Jodie F. - Los Angeles, CA       

"Thanks so much for mentoring us through our first home purchase.  We could not have done it without your help the whole way through.  Let's be sure to keep in touch and someday in the future we'll work together again!"

H. Pham-San Jose, CA
  

"Kevin was the most tangible person I've dealt with in home mortgages. Anytime we had a question posed to Kevin, Kevin was available via phone and via email PROMPTLY. Kevin was able to handle ALL of our questions and concerns with out any doubt.

I would like to Thank Kevin for a wonderful experience and best I've had to date. I WILL be referring Kevin to all co-workers, friends and family in the business of  buying a home. Thank you."

Michele and Mark S. - Los Angeles, CA

 

"It seems that we did it. Thank you for all your hard work. I know this was a tough one and I appreciate your extra efforts. I'll try to send you as much business as I can. I don't know what I am going to do with all my free time now that I won't be calling you 3 times a day. Thanks again."


Yoram L. - Brentwood, CA

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California Home Loan Information:

Real Property vs. Personal Property:  Something that may be owned is known as property.  It can be real or personal.  Anything that is not real is personal property.  Personal property includes money, movable goods, and 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.)

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 fee 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 without being bothered by others.  Encumber-the right to borrow money 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.).                                                 

                          

                                        

California home loan rates

      

   1-800-550-5538