American Capital Lending provides a wide range of real estate mortgage options suited to your personal goals. We specialize in residential and commercial Real Estate financing and can offer loan packages to fit a broad spectrum of personal financial goals and objectives.
- Home Purchase Loans
- Loan vehicles for new home mortgages and first home loans range from conventional to government assisted. Although our typical client doesn't fall into the "assisted" category too often - be aware that these options exist. More than likely, you'll be seeking some type of 100% loan or low down mortgage loan to help you get into property located along the south coast area of Orange County, CA.
- Conventional Loans
- For the experienced homeowner, conventional loans offer "A Borrowers" the most competitive rates available. With traditional down payments - the more mature homeowner is able to leverage their good credit into highly competitive loan packages.
- Stated Income Loans
- Many of us within Orange County are self employed and derive our income from a number of sources. In addition to our primary business, we own rental property, belong to REITs, are silent partners in other businesses and may even have a fixed income source from trusts, 401K and IRA funds. These Self Employed loans benefit both wage earners on a W2 as well as self employed and 1099 earners.
- Mortgage Refinancing
- With the low interest rates available these past few years, it makes sense to examine your current loan and refinance the principal if it makes economic sense. Lower monthly payments improve your credit profile.
- Debt Consolidation
- Also sometimes referred to as Credit Repair loans, allow you to consolidate credit card debt into your mortgage payments and deduct the lower interest expense. Home loans carry much lower interest rates and amortizing the principal on your personal debt may dramatically lower your overall monthly payments and help improve your credit profile.
- Cash Out Loans
- Refinancing your current home mortgage with a cash out loan allows you to invest cheap cash (low mortgage rates) in much higher yielding investments. Homeowners and borrowers typically use cash out loans to consolidate debt, raise their credit score and take advantage of high yield investments.
- Home Improvement Loans
- Increase the value of your home and make it easier to sell by using your current equity to upgrade the structure. Many times, a nominal investment can make a big difference in your personal comfort while adding substantially to your property value.
- Adjustable Rate Mortgages
- Variable rate mortgage loans, or ARM s as they are sometimes called, allow the loan applicant to achieve dramatically lower monthly payments by taking out a loan that is based upon a published interest rate index plus a margin. These loans are usually fixed rate for 2 to 7 years and then fluctuate thereafter.
For more information on each of the above loans, contact one of our lending officers or study the information pages that follow this loan services overview.
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