La Palma Mortgage
La Palma Reverse Mortgage
La Palma Refinance

HomeLoansOrangeCountyWholesale.com

First Equitable Financial offers wholesale rates for a mortgage and refinance loans throughout Orange County California and La Palma. Our Brokers will pre-qualify you using all three major credit bureaus to buy La Palma real estate. Mortgage interest rates are the best ever and you can qualify for La Palma home loans.

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Call us for an appointment (949)481-9026

About La Palma

La Palma is the smallest city in Orange County at only 1.76 square miles. La Palma was meant to be a purely agricultural and livestock oriented community; however today, what was once called “Dairyland” is now home to 16,000 people with no agriculture at all. The city prides itself on their community based events such as the Easter Fantasy Children’s Carnival, Halloween Carnival, and La Palma Days which includes a carnival, live music and parade.

La Palma Fixed Rate Mortgages

This is the most common type of mortgage program. Your monthly payments for interest and principal never change. Property taxes and homeowners insurance may increase, but generally your monthly payments will be very stable.

La Palma Adjustable Rate Mortgages

These loans generally begin with an interest rate that is 2-3 percent below a comparable fixed rate mortgage, and could allow you to buy a more expensive home. However, the interest rate changes at specified intervals (for example, every year) depending on changing market conditions; if interest rates go up, your monthly mortgage payment will go up, too. However, if rates go down, your mortgage payment will drop also.

La Palma Reverse Mortgage

A reverse mortgage is a special type of loan made to older homeowners to enable them to convert the equity in their home to cash to finance living expenses, home improvements, in-home health care, or other needs. With a reverse mortgage, the payment stream is "reversed." That is, payments are made by the lender to the borrower, rather than monthly repayments by the borrower to the lender, as occurs with a regular home purchase mortgage.

La Palma FHA and VA Mortgage Loans

There are many factors to consider when applying for a government loan. We will be by your side every step of the way. Below is some helpful information to help get you started.