Kings Mortgage Services

read moreExplore the programs offered by Kings Mortgage Services, Inc. including Fixed Rate Mortgages, Adjustable Rate Mortgages, Refinance Mortgages, and more! The mortgage process can sometimes be difficult to understand. Kings, Tulare, Fresno, and San Luis Obispo Counties in California. We have in-house Processing, Underwriting, and Funding - Combined with extensive knowledge, local expertise, and incredible interest rates.

read moreKings Mortgage Services, Inc., established in 1997 by Dale Ransdell, Darren Ransdell, and Pam Raeber, is a family owned and operated mortgage banker. After years of working for 'The Big Guys', we opened our doors with the concept of providing our customers with local decisions and exceptional service. We are unique to most other lenders in the area in that we are a full-service mortgage banker providing local underwriting and funding right here in our branch offices. This ability provides you with unmatched speed and customer service, while maintaining the flexibility of a broker and the ability to shop for those hard-to-place loans.

read moreFHA insured mortgages are some of the best kinds of mortgages available for first time home buyers. This is because they can help more people into the home buying market. Check out the list below to understand some of the most basic benefits of an FHA mortgage. Easier to Qualify for - because they're backed by the federal government, lenders are more likely to give you the kind of loan that you need. Requirements for Employments, Assets, and Credit History are generally more lenient than with other loan programs.

read moreWith the variety of loan programs we have available, buying a home is still within your reach and more affordable! Below is a partial list of the most common programs offered by Kings Mortgage Services, Inc. If you don't see what you're looking for, please contact us. We look forward to discussing your home loan needs! FHA - Backed by the U.S. Dept. of Housing & Urban Development, this mortgage offers the borrower the ability to put as little as 3.5% down along with more flexible credit, income and asset requirements.

read moreThere are a number of factors that must be weighed when deciding to refinance, most important is your reason for refinancing. On a straight rate reduction/no cash-out, we usually won't recommend that someone refinances unless they can save at least 1.0 to 1.5 percent over their current interest rate to make up for the cost involved. Refinancing is essentially replacing one mortgage with another and the costs are typically similar to the costs of your original loan. Even a less substantial rate decrease may be worth it to you if you plan on staying in your home for some time.