The Pacific Home Team at NEO Home Loans has a reputation based on trust, integrity and delivering exceptional client service. As a word-of-mouth, referral-based team, complete client satisfaction is crucial to our future success.
We are committed to providing the best home financing solutions for our clients. Whether you are a first-time home buyer, purchasing to add to your investment portfolio, refinancing an existing loan or consolidating debt, our highly experienced team of mortgage advisors can explore the many options available for your financing needs.
Our team takes great care in building an understanding of each client’s unique financial situation. We want to know your Dreams and Goals and help you build the path to achieving success in strategically growing your wealth.
We spend time with each client, either in our office or through a virtual meeting, to provide a thorough analysis of your current financial situation and to walk you through every step of the process to ensure you have clarity around making an informed decision that best fits your financial situation.
We build lifelong relationships with each of our clients so that we may continue providing excellent service for many years to come. Your success is our success!
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
Conventional LoansFHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.
FHA LoansIf you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
VA LoansCurious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!
RefinancingNot sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
This guide has all the information you need to navigate the home buying process with ease.
We truly appreciate the opportunity to work with you on such an important financial transaction in your life and look forward to exceeding your expectations!
