Esteem Mortgage is a privately held non- bank company doing business in the United States. In 2007, its CEO Sandra Johnson began the company during one of the most difficult times in the mortgage industry. The company was an independent Broker and in 2010 became a Banker with Mt West Financial while maintaining its business name as Esteem Mortgage.
Esteem Mortgage is again an independent Broker in order to offer the best possible service and price to borrowers looking for Conventional, FHA, VA, USDA, Jumbo, and Reverse Mortgages. Additional products include First Time Home-buyers, commercial property, and specialty products such as Bank Statement loans and High Balance loans in areas where high balance loans are not available, such as the Inland Empire.
Esteem Mortgage is again an independent Broker in order to offer the best possible service and price to borrowers looking for Conventional, FHA, VA, USDA, Jumbo, and Reverse Mortgages. Additional products include First Time Home-buyers, commercial property, and specialty products such as Bank Statement loans and High Balance loans in areas where high balance loans are not available, such as the Inland Empire.
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I began working in the mortgage industry in 1979. My experience includes Loan Processing, Underwriting, Funding, Closing, and managing a Banker's office as an AVP. I currently hold my NMLS License and Real Estate License. My clients love working with me because I can anticipate any unforeseen issues and resolve them before they become a problem.
Types Of Loan Programs Fixed vs Adjustable
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One of the first choices a homebuyer will need to make is whether you want a fixed-rate or an adjustable-rate mortgage loan. The bulk of loans will fit into one of these two categories, however, there is a third option that will allow you to "hybrid" the two. An adjustable-rate mortgage, (ARM): The interest rate of the mortgage adjusts periodically based on market conditions.
Mortgage Refinance
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Refinancing a mortgage is when a borrower gets a better interested rate and loan term. A borrower can achieve lower monthly payments and if they qualify, use their equity to obtain money that can be spent by the borrower. There are several pros and cons of refinancing a mortgage and we can help determine if this is right for you.
Conventional Loans
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Conventional loans are mortgage loans offered by non-government sponsored lenders. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
VA Loans
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A VA Loan is Designed to offer long-term financing to veterans. VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
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