Find out how much home you can afford right NOW!

Know exactly what you can afford before you start searching for a home.

Congratulations! You're ready to buy a home

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Mortgage Home Purchase Loans without the Hassle!

Need financing options as a 1st time home buyer? Choosing a purchase loan product that matches your goals and making sure you get the right loan terms 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.

The Home Purchase Loan Process

Here’s how our home purchase loan process works:

  • Complete our simple mortgage pre-approval letter request.
  • Schedule virtual, in-person, or telephone conference with your 1st time Home buyer loan specialist.
  • 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!