Rancho Santa Margarita Mortgage
Rancho Santa Margarita Reverse Mortgage
Rancho Santa Margarita Refinance

HomeLoansOrangeCountyWholesale.com

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

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Call us for an appointment (949)481-9026

About Rancho Santa Margarita

Before it was owned by the O’Neill family, Rancho Santa Margarita was home to Shoshonean Native Americans. RSM is one of the many planned communities in Orange County and is also one of the newest, having become a city in 2000. The community known as “A Small City with the Soul of a Small Village” is the perfect place for families and today nearly 50,000 people call it home. Community activities such as the Fourth of July Celebration and the Summer Concert Series are favorites among residents.

Rancho Santa Margarita 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.

Rancho Santa Margarita 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.

Rancho Santa Margarita 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.

Rancho Santa Margarita 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.