Mortgage Preparation

How to Lower Your Monthly Mortgage Payments in 2025

Learn effective strategies to reduce your mortgage payments in 2025, including refinancing options, PMI removal, and negotiation tips.

By Mark Ramirez|2025-03-07T06:19:16+00:00March 6th, 2025|Mortgage Preparation|0 Comments

Fixed vs ARM Rates: Current Market Comparison

Explore the differences between fixed-rate and adjustable-rate mortgages, including rates, benefits, and when to choose each option.

By Mark Ramirez|2025-03-07T06:37:41+00:00March 6th, 2025|Mortgage Preparation|0 Comments

VA Loan Eligibility: Who Qualifies and How to Apply

Explore VA loan eligibility for military members and veterans, covering benefits, application steps, and key qualification criteria.

By Mark Ramirez|2025-03-07T06:25:52+00:00March 6th, 2025|Mortgage Preparation|0 Comments

6 Best Mortgage Options for High-Income Earners

Explore tailored mortgage options for high-income earners, including jumbo loans, interest-only loans, and investment-backed mortgages.

By Mark Ramirez|2025-03-07T06:14:49+00:00February 23rd, 2025|Mortgage Preparation|0 Comments

FHA vs Conventional Loans: Which is Better for First-Time Buyers?

Explore the differences between FHA and conventional loans to determine the best option for first-time homebuyers based on financial profiles.

By Mark Ramirez|2025-03-07T06:13:37+00:00February 22nd, 2025|Mortgage Preparation|0 Comments

Mortgage Pre-Approval Checklist: Documents You Need

Prepare for mortgage pre-approval with this essential checklist of documents needed to secure your financing and make confident offers.

By Mark Ramirez|2025-03-07T05:58:57+00:00February 20th, 2025|Mortgage Preparation|0 Comments

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949 S. Coast Drive
Suite 240
Costa Mesa, CA 92626
Branch NMLS #1086654
Corp NMLS #34381

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We are licensed in the following states:

Arizona: Licensed Mortgage Banker - License #1034683.
California: Licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act. License #CA-DBO1192984.
Colorado: Mortgage Company Registration - License #100520774.
Idaho: Mortgage Broker/Lender License - License #MLO-2081192984.
Florida: Licensed Mortgage Lender - License #LO105507.
Nevada: Licensed Mortgage Banker - License #77438.
Oregon: Mortgage Lender License.
Texas: Licensed Mortgage Banker.
Washington: Consumer Loan Company License - License #MLO-1192984.
Wisconsin: Mortgage Banker License - License #1192984.

NMLS Consumer Access: For more information about United Fidelity Funding Corp dba HomeLoanAgents and its licensing, visit the NMLS Consumer Access website.

Texas Mortgage Banker Disclosure
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.