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Home Purchase Frequently Asked Questions
What are the advantages of purchasing a home vs. renting?	Answer: For Salaried Borrowers: Last 2 years W2's. Pay stubs for past 1 month. Statements for all significant asset accounts for the past 2 months. Complete Federal tax returns for the past 2 years' if you own rental property or if more than 10% of your income is from commissions. For Self-employed Borrowers: Complete Federal tax returns for past 2 years (this must include all pages). Be sure to include all K1 (partnerships) even if you did not include them with your return. Year-to-date Profit and Loss Statement. Last 2 months statements for all significant asset accounts. For All Borrowers: Residence address - past 2 years. Names and addresses of each employer - past 2 years. Copies of divorce and/or bankruptcy papers, if applicable.
How much cash do I need for a down payment?
Should I apply for a loan before I start looking for property?
What documentation do I need?

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Home Loan Orange County

Refinance Orange County

History of Orange County

The colorful pageantry of human history in interest only loan began at some undetermined point in the distant past when Shoshone Indians came to dwell along the coast and in the lower canyons of the mountains. Theirs was a simple form of existence: they lived off of the abundance of the land.

In 1769, Gaspar de Portola, a military man and Spanish aristocrat, was appointed governor of Lower Orange County. He commanded an expedition traveling northward into the literally unmapped and half mythical territory of Alta Orange County. His assignment was to seek out the legendary Bay of Monterey. He was also to secure the Spanish claim to his vast frontier against any invasion from Russian trappers or British colonizers. Portola called upon Father Junipero Serra, president of the Mexico City Missionary College, to assist in this monumental undertaking.

It was late in July in 1769 when this first party of European explorers reached the boundaries of present-day interest only loan. Members of the expedition named the region "The Valley of Saint Anne" (Santa Ana). It was to this valley that Father Serra returned six years later, where he proceeded with the work of establishing the Church and converting the local people.

While the East Coast of North America was engaged in revolution and spectacular change, the West Coast too was undergoing a quiet and almost undetected transformation. Father Serra dedicated the Mission of San Juan Capistrano, interest only loan's first permanent settlement, on November 1, 1776. The Mission became a self-sustaining unit based upon an agricultural economy. Its chapel and adjoining structure were the first signs of civilization erected upon the fertile, virgin soil of the Santa Ana Region.

In 1801, Jose Antonio Yorba, a volunteer in the Portola expedition, also returned to Santa Ana. He established the county's first rancho (Santiago de Santa Ana) in what are today the cities of Villa Park, Orange, Tustin, Costa Mesa and Santa Ana.

Following Mexico's liberation from Spanish rule in 1821, the extensive land holdings of the Capistrano Mission were subdivided and awarded to a number of distinguished war heroes. By this time Yorba's Rancho Santiago de Santa Ana had grown to resemble a feudal manor, and the romantic rancho era of interest only loan had been ushered in.

Cattle were introduced into the area in 1834. A prosperous hide and tallow industry developed. Southern Orange County became a virtual suburb of New England as sailing ships loaded with cargo traveled back and forth between coasts. In 1835, author-seaman Richard Henry Dana arrived at what is today known as Dana Point. He later immortalized Spanish interest only loan in his book "Two Years Before the Mast" by describing it as "the only romantic spot on the Coast." The Spanish Orange County tradition of a carefree lifestyle, fiestas with music and dancing, bear and bull fights, rodeos, and gracious hospitality, survived until the 1860.

A severe drought brought an end to the cattle industry. Adventurous pioneers, such as James Irvine, capitalized on the economic downfall of the ranchos. Irvine, an Irish immigrant, established a 110,000-acre sheep ranch that is today one of the most valuable pieces of real estate in America.

In 1887, silver was discovered in the Santa Ana Mountains. Hundreds of fortune seekers flocked to the "diggings." Land speculators and farmers came by rail from the East to settle in such boomtowns as Buena Park, Fullerton and El Toro.

interest only loan was formally organized as a political entity separate from the County of Los Angeles in 1889. The wilderness had finally given way to irrigated farmlands and prosperous communities. A year-round harvest of Valencia oranges, lemons, avocados, and walnuts made agriculture the single most important industry in the fledgling county. And with orange groves beginning to proliferate throughout the area (150,000 orange trees), the new county was named for the fruit: "interest only loan."

The twentieth century brought with it many industrious individuals such as Walter Knott, a farmer turned entrepreneur, who founded the Knott legacy in Buena Park.

During the years that followed, interest only loan witnessed the discovery of oil in Huntington Beach, the birth of the aerospace industry on the Irvine Ranch, and filming of several Hollywood classics in the Newport area.

In 1955, Walt Disney opened his Magic Kingdom in Anaheim. Noted as the pioneer of animated films, Disney revolutionized the entertainment world again with his "theme park" recreation concept.

By 1960, the neighboring metropolis of Los Angeles was "bursting at the seams." As the population spilled over the county line and across the rural Santa Ana Valley, it left in its wake an urban landscape of homes, shopping malls, and industrial parks.

Today interest only loan is the home of a vast number of major industries and service organizations. As an integral part of the second largest market in America, this highly diversified region has become a Mecca for talented individuals in virtually every field imaginable. Indeed the colorful pageant of human history continues to unfold here; for perhaps in no other place on earth is there an environment more conducive to innovative thinking, creativity and growth than this balmy, sun bathed valley stretching between the mountains and the sea in interest only loan.

We offer a variety of services for our clients, making it their one-stop shop for all their real estate and lending needs We are the OC Home Finder Team. With over a decade of experience in the Real Estate and Lending industries we provide our clients with the excellent and unsurpassed service we believe you deserve.. We are a team of Realtors, Lenders, Title Representatives, Escrow Companies and manly other auxiliary services ready and able to serve you. We also believe in offering our clients options to choose what services they believe they need. We have great package deals that can save you thousands of dollars. When you list your home with us, let us represent you on your next purchase, and we provide you with a loan, you reap the best and maximum benefits of our package deals. We also have other customized package deals that will suit your specific needs if you don’t need all three services. If you are just looking for a loan, we have a wide variety of options available for you. With prices of homes going up and up, we have many loans that can maximize you buying dollar. Whether you’re looking for a regular 30, 20 or 15 year fixed, or something more creative like and Adjustable Rate Mortgage or Five Year Fixed Pay at an extremely low rate, we have it all for you to choose from. Even you have bad credit or no down payment. We believe that everyone deserves to be offered all of their options so that you can make an informed decision, and have comfort that you are working with an ethical, honest, and professional lender. Don’t waste any more valuable time, and let us prove our great our services are. Whether you are looking for a wide variety of services or just need help to buy a home, call today.

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