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Mortgage Options

ELITE REALTY PARTNERS work hard to be a leading provider of mortgage services and solutions nationwide. We endeavor to provide our clients with the utmost level of customer service.

We owe it to our customers and lenders to afford great care and honesty in all of our business dealings, and the rigorous standards and procedures that we employ allow us to achieve that trust.

When buying a house, condo, or any property, it will be a major commitment of your financial resources. Therefore, selecting the right mortgage can make a big difference in your monthly payments and overall cost of the loan.

Fixed Rate mortgages are good for first-time home buyers, and/or people who plan to keep their home for a long period of time. Fixed rates offer steady monthly mortgage payments, thus making it easier for you to adjust to the responsibilities of home ownership.

Adjustable Rate Mortgages (ARMS) are more for people who have a confidence that their income will continue to increase over time, and want to qualify for a larger mortgage.

ARMS usually start with lower rates and monthly payments, but they can change every so often based on the normal up and down fluctuations of market rates. Because your payments could go up, it's wise to look at the long-term picture, which ELITE REALTY PARTNERS will help you with.

We are committed to giving prompt and personalized service to our clients by taking the complexity out of the loan process...guaranteeing security and privacy, and reducing the time it takes to approve and close loans.

We offer a wide range of loans such as: Debt Consolidation, Cash Out, New Home Purchase, Home Improvement...our experienced loan consultants are there to help guide you in finding the most appropriate loan for your individual circumstance.

If you're in bankruptcy, late on mortgage or credit card payments...that won't stop us from helping you reach financial freedom. Our guidelines provide flexibility so you may qualify in the most difficult cases, including no income verification, no asset verification or no employment verification.

We will explain the different loan terms (length of loan) available, such as... 15yr-20yr-30yr; choose the best down payment plan based on your credit history, cost of your home, and the type of mortgage you have; and help negotiate for lower fees on your closing cost. Remember: lenders want borrowers, not property. They want to see you keep your home, and we will provide you with the options that will afford you that end.

ELITE REALTY PARTNERS also have a VOE-ONLY program in which we accept a fully executed Verification Of Employment from the employer, indicating the borrower's last two years and YTD income, job title, and length of employment. We do not require current paystub or W2. This program is only for salaried borrowers and those who receive 1099s, BUT NOT for those who own a part of the company.

ELITE REALTY PARTNERS have an outstanding relationship with the Department of Real Estate, and with every association of realtors across the State of California.

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