Monarch Beach Mortgage
Monarch Beach Reverse Mortgage
Monarch Beach Refinance

HomeLoansOrangeCountyWholesale.com

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

We will come to you!
Call us for an appointment (949)481-9026

About Monarch Beach

Monarch Beach is a small coastal town located minutes from Dana Point and Laguna Beach. The community has a golf course with an ocean view, as well as the 5-star St. Regis Monarch Beach Resort & Spa which holds a prime rib buffet and fireworks display on July 4th. Crystal Cove is a popular beach for camping, swimming, surfing, scuba diving, and biking. Homes are located amongst hills and cliffs, and offer fantastic views.

Monarch Beach 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.

Monarch Beach 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.

Monarch Beach 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.

Monarch Beach 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.