Action Lending
Mortgage Company in Orange, CA
Action Lending is a mortgage lending institution that prides itself in delivering best quality financial services to the public. It is our goal to supply best quality mortgage programs at the most competitive rates in the nation. Our home loan programs include: purchase, refinance, debt consolidation, home equity loans, 2nd mortgages, construction loans, and home improvement loans suited to your unique situation. Our team of mortgage service specialists makes themselves accessible to customers around the clock, and aims to obtain the finest mortgage loan package no matter what the situation.
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Looking for Reverse Mortgages in
read moreHome Equity Conversion Mortgages (HECMs), also known as reverse mortgage loans, were created over 25 years ago to help homeowners age 62 and older convert a portion of home equity into tax-free money. A reverse mortgage loan allows you to turn some of the equity in your home into cash to improve your financial situation. With a reverse mortgage loan, you will remain on title and can stay in your home without making monthly mortgage payments during the loan period.' The borrower will be required to pay for property taxes, home insurance and home maintenance.
Choosing a Refinancing Program
read moreEver hear the pearl of wisdom that says you should only consider refinancing if the new interest rate will be at least 2 points lower than your current rate? That could have been accurate years ago, but with refinancing dropping in cost recently, it is a good time to consider a new mortgage! Refinancing has some benefits that will often make it worth the initial expenditure a few times over. When you refinance, you may have the ability to lower the interest rate and monthly mortgage payment amount, sometimes significantly.
Understanding how Escrow works
read moreUpon completion of all instructions of the escrow, closing can take place. All outstanding payments and fees are collected and paid at this time (covering expenses such as title insurance, inspections, real estate commissions). Title to the property is then transferred to the seller and appropriate title insurance is issued as outlined in the escrow instructions. At the close of escrow, payment of funds shall be made in an acceptable form to the escrow. As your real estate agent, I'll inform you of the acceptable form.
Mortgage tune-up
read moreIf the last time you looked at your mortgage was when you closed on your loan, it's time to take it out for an annual once over. New loan programs and opportunities to leverage your home equity can bring you lower mortgage payments and new investment opportunities. Many of us opt for the certainty of a 20 year or 30 year fixed rate mortgage when we get our first mortgage. If you anticipate selling your home within the next 10 years, one of our new hybrid loans may be a better financial fit for you.
An Overview of the Loan Process
read moreThere's quite a lot to do in order to get a mortgage. You wouldn't be researching mortgage loans if you could get a loan in one day by filling out a simple application. We do the heavy lifting for you, so you can concentrate on what's important - preparing to move into your new home or saving money. A couple of factors determine this amount. How much of a monthly payment can you afford? What is the maximum you can borrow from a lender, given your income and credit history? Use the calculators on our website to determine your monthly payment amount.
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