Home Purchase

Buying a home is a milestone in life that many of us aspire to achieve. Whether you're a first-time homebuyer or a seasoned property investor, finding the right mortgage is crucial to making your dream a reality. At Diablo Mortgage, we understand the complexities of the real estate market and the significance of securing a mortgage that fits your unique financial situation.

Making informed decisions about your mortgage is pivotal to your financial well-being. Our team of mortgage experts is committed to providing you with comprehensive guidance and support throughout the entire home purchase process. Whether you have questions about down payments, closing costs, or the intricacies of different mortgage types, we are here to provide you with the knowledge and insights you need to feel confident and empowered in your home buying journey.

Get started with Diablo Mortgage today!

Solid, professional advice without obligations.

Phone

(415) 710-0383

Email

[email protected]

What do you get at Diablo Mortgage?

These are just a few services that we offer from a vast variety.

Conventional Loans

Mortgages that do not have their backing provided by a government body (like the Department of Veterans Affairs) are conventional loans. In short, the government does not guarantee ordinary mortgages. Instead, it is offered and certified by the private sector. Conventional mortgages make for a significant share of purchases and refinance and are provided by a variety of mortgage lenders, such as banks, credit unions, and internet lenders. Conventional mortgages typically correspond to the loan restrictions established by the Federal Housing Finance Administration, often known as the FHFA.

Jumbo Loans

Jumbo loans are a type of non-conforming mortgage loan. They exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These limits are established for conventional mortgages purchased or guaranteed by Fannie Mae and Freddie Mac. The limits vary by location but are typically higher in more expensive housing markets.

Non-QM Loans

Non-QM (Qualified Mortgage) loans are mortgages that do not meet the standards set by the Consumer Financial Protection Bureau (CFPB) for qualified mortgages. These loans are often considered riskier for both the borrower and the lender. The CFPB introduced the concept of Qualified Mortgages as a way to ensure that lenders issue mortgages to borrowers who are reasonably able to repay the loans.

VA Loans

VA loans are mortgage loans guaranteed by the United States Department of Veterans Affairs (VA). These loans are designed to help active-duty military members, veterans, and eligible surviving spouses become homeowners. VA loans offer several advantages to eligible borrowers, making it easier for them to purchase or refinance a home.