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Are you looking to buy a home or refinance an existing mortgage today in Santa Clarita, CA? Save Financial is your one-stop shop for specialized mortgage products, expertly crafted to fit your financing profile. As a first-time home buyer or an experienced investor looking to refinance, our seasoned loan officers walk you each step of the way. With over 45 years of combined mortgage experience and relationships with more than twenty top U.S. lenders, we provide competitive rates and flexible loans. We ensure that you receive the appropriate financing, whether it is through conventional loans, hard money loans, FHA, VA, Jumbo loans, and more.
In Los Angeles County, Santa Clarita is among the most desirable residential areas. It has some of the best public schools in the region, and the crime rates here are comparatively low. All these factors make it a hot location for real estate. Save Financial is here to help you with mortgages, whether you are buying a home in Valencia, Saugus, Canyon Country, Newhall, or elsewhere in Santa Clarita.
As you set out to buy a house in Santa Clarita, we offer a range of loans, including conventional loans, FHA loans for first-time buyers, and VA loans for servicemen. We assist our customers in obtaining the most competitive rates and terms for their loans so that they can compete effectively in the Santa Clarita real estate market.
Refinancing might be your best bet if you currently own a home in Santa Clarita and want to reduce your monthly payments or tap into your home’s equity. We assist clients in identifying the best options based on their needs, whether they are looking for a cash-out refinance, a straightforward refinance, or an FHA Streamline Refinance.
Santa Clarita has a range of moderately priced and expensive high-end homes. Jumbo loans are wise alternatives if you are purchasing expensive homes or any property that exceeds the limits of conventional loans. We cater to clients who wish to finance luxury homes and offer them at competitive rates.
We offer hard money loans and fix-and-flip loans for real estate investors in Santa Clarita and offer quick funding. Whether you require short-term funds to buy distressed properties or investment financing, we assist you in obtaining capital quickly.
Santa Clarita has booming real estate, which we are already familiar with.
Comprehensive Loan Options: We offer conventional and government-backed loans, as well as other types of financing.
Efficient & Problem-Free Approach: Smooth transactions and quick approvals are ensured as our staff works to make the application process more straightforward.
Individualized Attention: A loan Officer is dedicated to each client, ensuring the most appropriate mortgage option is provided.
What credit score do I need to qualify for a mortgage in Santa Clarita?
This depends on the type of loan you are acquiring. Conventional loans have a stricter acceptance range, usually starting at 620. FHA loans can go as low as 580 on the more lenient side. For jumbo loans or hard money loans, requirements vary widely. We are happy to help you find the right fit for your credit profile.
How much down payment is required for a home loan in Santa Clarita?
This depends on the loan type. As mentioned, Conventional loans start from 3% to 20%, and FHA loans can drop as low as 3.5%. VA and USDA loans have no money-down requirements for qualified borrowers.
How long does the mortgage approval process take?
Overall, most mortgages in Santa Clarita are approved within 30 to 45 days. Some loans, such as hard money or bridge loans, can be approved much faster, even within days.
Can I get a mortgage if I am self-employed?
Absolutely! We offer bank statement loans and alternative income verification loans for self-employed applicants. If you are self-employed or own a business, we can assist you in obtaining a mortgage that is aligned with your genuine income.
Call Save Financial today if you wish to purchase or refinance your home in Santa Clarita; I will happily provide you with tailored financial advice and great mortgage options.
At Save Financial, we specialize in a wide variety of loan options to meet your unique financial needs. Our offerings include hard money loans secured by real estate, fix and flip loans, bridge loans, construction loans, purchase loans, and refinance loans. Whether you have good or bad credit, our experienced team is dedicated to guiding you through the entire loan process. Discover how we can help you secure the perfect loan for your situation. Contact us today to learn more about our comprehensive loan solutions!