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The Mortgage Lender in California That Does More
Looking for a mortgage company to help you with financing a home in California? Over the past two decades, J.G. Wentworth has established itself as a reputable mortgage lender in California and nationwide. With our variety of home loan and refinancing programs, you can compare your options and find what works for you and your specific situation. From first-time homebuyers to those looking to invest in a rental property, J.G. Wentworth provides the options you need.
Home Lending Options For You
As a direct mortgage lender in California, J.G. Wentworth can offer you numerous home loan and refinancing options. From conventional loans to government refinancing programs, our knowledgeable loan specialists are prepared to provide you with the information you need to make an informed choice.
Adjustable-rate mortgages (ARMs) have interest rates that change as a result of market conditions on a pre-determined basis. Initial interest rates typically start out low since there is the possibility of them increasing in the future. For borrowers looking for an investment property mortgage in California, or those that do not intend to stay in their home for an extended period of time, ARMs can be a viable option.
With interest rates that remain the same throughout the life of the loan, fixed-rate mortgages provide borrowers with a peace of mind that their monthly payments will be the same every month. These types of mortgages are available in 15-year or 30-year terms and can be used as a mortgage for your primary home or rental property in California.
First-time homebuyers and those looking to make repairs or renovations that meet FHA loan qualifications in California are able to take advantage of a number of benefits. Created by the Federal Housing Administration, an FHA loan lets you borrow up to 96.5% of a home’s value. FHA financing in California can make buying a home easier for those with low to moderate incomes.
Home loans provided by the United States Department of Agriculture help homebuyers purchase homes in rural areas. Down payments and closing costs may be financed by the USDA depending on the appraisal value of the home you’re looking to purchase.
VA Loans and Refinancing
Veterans Affairs home loans in California provide a number of benefits to veterans, military members, and their families looking to refinance or purchase a home. With no down payments and low interest rates, VA loans are an attractive option for many veterans. J.G. Wentworth is proud to be an approved VA lender that offers home loans with no points or hidden fees.
When it’s time to refinance your home mortgage in California, a cash-out refinance is one of the options you can choose from. Borrowers who have established equity in their home can use that equity to get cash out, which they can then use however they wish.
The Home Affordable Refinance Program, also known as HARP, is a home refinance program offered in California and across the country. It is a government program that helps homeowners refinance their home to obtain a better mortgage, even if they don’t have much equity established. If you were unable to refinance before, consider a HARP refinance, as it is now easier to qualify than when the program was first introduced.
Why Choose J.G. Wentworth?
If you’re in search of a mortgage company in California that has decades of experience and knowledgeable loan specialists, look no further than J.G. Wentworth. Our award-winning customer service is proven by our outstanding online customer reviews and an A+ rating from the Better Business Bureau (BBB). Our home loan specialists are here to assist you every step of the way, whether you’re just beginning your homebuying journey in California or you’re refinancing your home mortgage.
J.G. Wentworth is happy to offer customers loans with low rates, no points, and no hidden fees. We offer a wide range of home loan purchasing and refinancing options, including home loans for veterans backed by the VA and FHA loans for our California customers. With the use of innovative technology, we have created streamlined processes that allow for quick preapprovals and turnaround times.
Get a Free Quote Today
Want to start the process of finding the right mortgage for your home, investment property, or rental property in California? Get a rate quote today-- it’s free, and no personal information is required. Contact us today to begin working with California’s leading mortgage lender.