Country Club Mortgage
Mortgage Company in Visalia, CA
Country Club Mortgage supplies comprehensive mortgage banking products and services for individuals and businesses. We combine the broad reach and sophistication normally associated with huge, national banks with the hometown pride, knowledge, accessibility, and individual service of a local bank. Our dedication to satisfying customers' mortgage requirements sets us apart from other lenders. We do this by being available at all times to answer questions, encourage open communication regarding your loan processing, and streamlining whenever we can to minimize your burden to document your loan.
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Country Club Mortgage
read moreWe offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.
About Us
read moreAt Country Club Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today. After you select the loan that is best for you, we will work continuously on your behalf to help you achieve your dream of homeownership.
Frequently Asked Mortgage Questions
read moreThe pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer. Usually people refinance to save money, either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
FHA Loans
read moreIt's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit. With this information you can make a more informed decision on whether these government insured loans are right for you and your family. In response to the growing housing situation in the United States the loan limits for FHA Loans has been temporarily raised.
Protect your Credit Score
read moreThese days it is very important to protect your credit score. Getting a great deal on a new home loan is easier if you have a great credit score. At Country Club Mortgage, we feel that it is important to educate our clients so that they can get the best possible rate on any loan.
Loan Process
read morePre-qualification starts the loan process. Once a lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house. Since different loan programs can cause different valuations a borrower should get pre-qualified for each loan type the borrower may qualify for. In attempting to approve homebuyers for the type and amount of mortgage they want, mortgage companies look at two key factors. Ability to repay the mortgage is verified by your current employment and total income.
Track Your Desired Interest Rate
read moreAt Country Club Mortgage, we are always looking for ways to better serve our customers. Our Rate Tracker service is a no-obligation, free service designed to help our customers find their desired lending scenario. Use our Rate Tracker to request notification when our rates reach a desired level. For more information, please contact us at 559-636-3333.
Lending Programs offered by Country
read moreThe following is a partial list of programs offered by Country Club Mortgage with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 559-740-7000. A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the life. Generally speaking, monthly payments remain constant. Traditionally borrowers are expected to provide a 20 percent down payment though this is not necessarily required. Contact us for details on down payment requirements.
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