Get Reliable Home Financing Solutions Perfectly Tailored to Your Needs

Discovered your dream home? Everything is just perfect from location to price. You deserve a pat on the back! But, have you chosen the mortgage lender yet? Ignoring this critical aspect may cause you to end up making a bad pick from where it’s difficult to return. We’ve heard a lot of stories of how lenders crushed the dreams of homebuyers or made the process abysmally unbearable. We understand these issues; so, we put your needs at the forefront.

You can trust 0Pointloan for the best rate, fast approval, transparency, and a hassle-free service. We do everything that brings you closer to your dream home. Whether it is mortgage finance, refinance, or mortgage of a fixed and an adjustable rate, you always get reliable solution and professional advice.

    First-Time Homebuyer

    Buying your first home is one of the most significant decisions that you take in life. We understand the momentousness of this decision and help you at every step of the entire process. You get specialist home finance services at the most competitive rate.
    READ MORE

    Refinance Loan Process

    The mortgage refinancing process is different from the first-time home loan financing. We can assist you to getting the best mortgage refinance deals in Anaheim, ca. We charge upfront fee without any hidden cost.
    READ MORE

    Cash-Out Refinancing

    Cash-out refinance loans can help you make home improvements to increase the value of your property or buy a vacation home. We can help you multiply the value of your house with suitable cash-out refinancing loan options.
    READ MORE

Why You Should Choose Us Section

Fast Turnaround Time

Our vast network, advanced technology, and efficient process enable us to evaluate your loan application quickly. We identify any missing documents instantly and notify you at the earliest to complete it so that we can close the deal within the promised turnaround time.

Transparency & Fairness

Lack of trust and double-dealing are two major concerns of the mortgage industry. So that you don’t have any inhibitions regarding your application, we make the entire process very simple and keep you informed during each stage of your application.

Personalized Experience

Our experts will get in touch with you, understand your needs, and then offer a customized solution based on your requirements.

Hassle-Free Process

Our process is completely online with minimum paperwork, which gives you a wonderful mortgage experience.

Low Cost

Our rates are highly competitive in the market. Our digital platform and vast network enable us to save time, get the best rate from our partners, and pass on the maximum benefits to you.

Professional Service

Our executives are thorough professionals who are highly experienced. They have a profound knowledge of the intricacies of the mortgage industry. They assist you at all the stages of your application- from providing quotes to closing the deal.

Testimonials

testimonials

We Make the Entire Process Super Easy

The most difficult thing about mortgage finance is that it takes a lot of time. For many lenders, it still involves incredible amount of paperwork, faxes, certified mails, phone calls, and in-person meetings. All of this tests your patience to the point where you may even think of dropping this idea altogether. We, at 0Pointloan, can get this achieved in a hassle-free way owing to our vast network and online process. You just need to share your requirements and then relax! We will do the rest.

Our Process

Below, you will see a brief description about our loan process, we offer different loan types. Please call us at 1-800-LOAN-456 to see if the loan type you are looking for is being offered

  • STEP 1

    Receive Custom Quote

    We search through thousands of mortgage deals to arrive on the best one that would suit your requirements. Our vast network enhances your chances of grabbing the best offer for your unique needs. We get in touch with you for understanding your requirements and then offer what suits you the best.

  • STEP 2

    Submit Your Application Online

    You can submit your online application from the comfort of your home in two easy steps. The first step is to fill in the required information in the given fields.

  • STEP 3

    Upload Document

    The second step is to verify your credit score and upload your documents on our secured portal which saves you a visit to the bank or unnecessary paperwork.

  • STEP 4

    Close Your Loan

    After your application is approved, we will underwrite, appraise, and close your loan. Our process is 3X faster than the industry average; so, you receive your loan in no time.

Three ways to get started

Want to Know Your Monthly Payment? Use Our FREE Calculator

Calculate your monthly mortgage payment using this free mortgage calculator to save on your home loan today.

Today's Mortgage Rates as of 4/22/2015

Loan Program Rate APR
30 Year fixed 3.625 3.637
15 Year fixed 2.875 2.871
10 Year fixed 2.875 2.793
15 Year fixed FHA 2.875 2.793
5/1 ARM 2.875 3.168

Click here to see the loan amounts and property values the rates above are based on. See points and detailed closing costs by using the banner on the left.

Frequently Asked Questions

I can’t afford 20% to put down on a house?
It shouldn’t be a problem. There are many programs available today that require less than 5% down payment. The best thing to do would be to call us and we can find the right program for you.
Do you offer Custom Loan programs?
Yes, the different types of loan programs being offered are changing every day. We find the best loan scenario for all of our clients. Unlike big banks that are restricted to using loan programs and rates being offered at that time by the bank, we have access to many lenders. What we do is find the lender that best fits your needs. Call us today and let us show you what we can do for you.
Can I use some of my IRA or 401(k) plan for a down payment?
Yes you can. However, the rules regarding this issue are constantly changing. Your best bet would be to contact your accountant. Your accountant can inform you of your best options in regards to this.
What’s the difference between a fixed and adjustable rate mortgage?
With a fixed rate mortgage, the interest rate and the amount you pay each month remain the same over the entire mortgage term, traditionally 15, 20 or 30 years. A number of variations are available, including five- and seven-year fixed rate loans with balloon payments at the end. With an adjustable rate mortgage (ARM), the interest rate fluctuates according to the indexes. Initial interest rates of ARMs are typically offered at a discounted ("teaser") interest rate lower than fixed rate mortgage. Over time, when initial discounts are filtered out, ARM rates will fluctuate as general interest rates go up and down. Different ARMs are tied to different financial indexes, some of which fluctuate up or down more quickly than others. To avoid constant and drastic changes, ARMs typically regulate (cap) how much and how often the interest rate and/or payments can change in a year and over the life of the loan. A number of variations are available for adjustable rate mortgages, including hybrids that change from a fixed to an adjustable rate after a period of years.
Is a fixed or an adjustable rate mortgage better?
It depends. Because interest rates and mortgage options change often, your choice of a fixed or adjustable rate mortgage should depend on: the interest rates and mortgage options available when you’re buying a house your view of the future (generally, high inflation will mean ARM rates will go up and lower inflation that they will fall), and how willing you are to take a risk. When mortgage rates are low, a fixed rate mortgage is the best bet for most buyers. Over the next five, ten or thirty years, interest rates are more apt to go up than further down. Even if rates could go a little lower in the short run, an ARM’s teaser rate will adjust up soon and you won’t gain much. In the long run, ARMs are likely to go up, meaning most buyers will be best off to lock in a favorable fixed rate now and not take the risk of much higher rates later. Keep in mind that lenders not only lend money to purchase homes; they also lend money to refinance homes. If you take out a loan now, and several years from now interest rates have dropped, refinancing will probably make sense.
What is private mortgage insurance (PMI)?
Private mortgage insurance (PMI) policies are designed to reimburse a mortgage lender up to a certain amount if you default on your loan. Most lenders require PMI on loans where the borrower makes a down payment of less than 20%. Premiums are usually paid monthly or can be financed. With the exception of some government and older loans, you may be able to drop the mortgage insurance once your equity in the house reaches 22% and you’ve made timely mortgage payments. The Servicing Lender will have the requirements for canceling the mortgage insurance.

Blog

18
Sep, 2017
4 Tips To Manage Your FICO Credit Score When Natural Disasters Strike

Rebuilding your home or life can be difficult after a natural …

Read More
18
Aug, 2017
6 Ways to Save Money for Retirement Plan

On being burdened with fixed monthly costs and other expenses …

Read More
30
Aug, 2017
Loss Payee vs. Lender’s Loss Payable Endorsement – There’s a Difference!

While the terms "Loss Payee" and "Lender's Loss Payable" …

Read More

Our Partners

  • partner-image
  • partner-image
  • partner-image
  • partner-image
  • partner-image