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Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

The Home Purchase Loan Process

Here’s how our home purchase loan process works:

  • Complete our simple mortgage pre-approval letter request
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Do I Qualify?

To qualify for a mortgage, most lenders require that you have a debt-to-income ratio of “28/36.” This means that no more than 28% of your gross monthly income can go toward housing, and no more than 36% can go toward your total monthly debt. At Ladera Lending, we have programs that can go as high as 50/56. Also we can use alternative sources for income documentation. For Example, 12 month’s bank statements instead of Tax returns.

  • Fixed Rates
  • Adjustable Rates (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years

Get Your FREE Pre-Approval Letter Now!