805 Local

As a loan officer who has worked in Ventura County for over 27 years, I’ve seen the processing and underwriting of home loans change dramatically.  Before it all went to “tighter guidelines” (that’s an understatement), the loan officer could be nothing more than an order taker.  “Yes, sir.  May I interest you in a Home Equity Line of [...]

So you want to buy a house, but you don’t know what you qualify for.  You know how much you want your total payments to be, but you don’t know how much house that will buy.  What about property taxes and homeowner’s insurance?  How much would that be?  How much do you need for a down [...]