FHA
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Capitol Direct Lending has closed over 5,700 loans since it's beginning in 1990. Our office is currently based out of Rocklin, California. Previously based in Colorado in the early 2000's, and moved to the bay area in 2012.
Over the years we have specialized in conventional and FHA purchase and refi's, however in the past 2-3 years we have been catering to veterans as well as lending private (hard) money.
Let's get your loan done fast. Book a meeting with a Loan Officer today!
What are the benefits and risks of choosing an adjustable-rate mortgage (ARM) over a fixed-rate mortgage?
ARMs typically offer lower initial rates but carry the risk of rate increases after the adjustment period, whereas fixed-rate mortgages provide consistent payments over the loan term. ARMs may be advantageous if you plan to sell or refinance before the rate adjusts.
Refinancing involves replacing your current mortgage with a new one, often to lower your rate or change the loan term. Consider refinancing if current rates are significantly lower or if you need to access home equity.
Your credit score, LTV ratio, and DTI ratio are key factors in determining your rate. To secure the best rate, improve your credit, lower your LTV by saving more, and compare offers from multiple lenders.
Paying points reduces your interest rate but requires upfront payment, which may only be beneficial if you plan to stay in the home long enough to recoup the cost through lower payments. Avoid points if short-term savings are more critical than long-term interest savings.
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