Culture Mortgage

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Purchase Home Loans

If you are buying a home and in need of financing to complete your home purchase, look no further.

Culture Mortgage is familiar with the fine details that make up each and every purchase contract. Understanding these details and their importance is why we are routinely recognized by our clients as a five star mortgage brokerage when it comes to securing home borrower purchase loans.

We pride ourselves on closing escrow on time and work diligently to fund and close every loan on time to ensure all parties of the transaction are happy; and any time you have off for moving and/or work you have scheduled can start on time without complication. That's peace of mind.

The home loan process for purchasing a home is a complex one that requires a professional to navigate successfully.
Preapproval... Getting preapproved for the home loan you will need to complete your home purchase is an important step that many people initially overlook. To be properly preapproved or prequalified (one and the same) for a home purchase you must complete a loan application and a credit report generated. Your loan consultant upon successful preapproval will be able to draft preapproval letters for your agent to include with any offers you make and discuss the various home loan programs and their corresponding interest rates.

Once preapproved real estate agents will consider you a qualified buyer and will be happy to take you out to view any homes you may be interested in purchasing. While house hunting it is important to stay in touch with your loan officer to make sure the available interest rates, pricing, and/or guidelines do not change compromising your ability to secure the financing you need when you do find the right home.

As soon as you start making offers you should be prepared to move into contract upon the seller accepting your offer.

When in contract... both buyer and seller are under obligation to perform, and it is important to understand your performance obligations and deadlines. These will not only include when specific contingencies must be met and lifted, but also who (buyer or seller) will be responsible for paying for specific fees associated with closing.

Reviewing and taking action to ensure you will meet your obligations as a buyer is something Culture Mortgages loan consultants do with every purchase loan. Closing on time is a result of taking the appropriate actions as efficiently as possible from the time you move into contract and open escrow through funding and successful recording.

Bottom line, our extensive knowledge about purchase contracts and transactions will result in your immediate benefit.

From start to finish... Culture Mortgage's meticulous attention to detail will serve you to produce the right loan for your home purchase. We welcome you to give us a call and discuss your new home purchase today.

Whether buying a primary residence, a second home to use as a vacation property, or are looking to buy and investment property we will answer your questions objectively, and provide solutions for any type residential purchase transaction throughout the entire state of California. 

Call us today... 831.325.6959

Or Apply here now.

California Bureau of Real Estate License 01792241
NMLS License 523235

1649 Calavo Rd. Fallbrook, CA 92028
831.325.6959 Phone
866.321.5467 Fax

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