Buying a New Home?
New Home Purchases - Close In 28 Days or Less!
Golden State Mortgage specializes in new home purchases and offers a bevy of mortgage loan products: Conventional loans, FHA, VA, USDA and Jumbo loans with low rates and fees. Not sure which loan type is right for you? Call and speak with one of our friendly mortgage professionals to help answer your questions and we can give you a free consultation on which loan type is right for you.
Close in 28 Days or Less! We strive to close all new home loans in 28 days or less. With in-house underwriting we underwrite with common sense allowing for quick decisions and fast closings. Golden State Mortgage’s flexibility and efficiency is unavailable to traditional mortgage brokers as we control the transaction from application to funding. As consummate mortgage professionals, every Golden State employee from the top down is committed to providing excellent customer service throughout the entire loan process. Low rates, low fees, fast closings and top notch customer service is our mission statement. Call today or apply online and we look forward to earning your business!
California conventional home mortgages are generally insured by and are underwritten to either of the federal government GSE’s, Fannie Mae and Freddie Mac. Conventional home loans are for the purchase of primary, second and investment properties as either single family or multi family.
FHA home loans are a government insured loan type that has been helping borrowers since 1934. FHA home loans are a great option for first time home buyers, as credit standards are easier and FHA loans offer more flexibility with credit scores as low as 580 and a down payment as little as 3.5% down.
Golden State Mortgage specializes in VA home financing and has been serving us military since we opened our doors. As a direct mortgage lender, you will experience the benefits of having your VA loan underwritten, approved and closed all from our local California professionals.
For rural properties a California USDA home mortgage could be the perfect fit for a home buyer. Offering 100% financing, with the ability to roll in closing costs and in some cases repairs, California USDA makes home ownership possible for many Californians.
For home mortgages with a loan amount exceeding (varies by county) conforming limits, Golden State Mortgage offers a variety of jumbo loan programs to fit your purchase or refinance needs. You can choose between a fixed or adjustable rate depending on your financing goals.