When it comes to home loans in Paso Robles, you have options. But there’s only one lender with more than 15 years of experience and more than $300 million in transactions closed that knows the Paso Robles loan market better than the rest. Christopher Austin is a Paso Robles loan officer and divisional vice president for a leading mortgage company.
So what do you need to know about applying for a new loan or refinancing – and more importantly, how your lender can assist in the process? First, there truly is no “one size fits all” or even “one size fits most” option when it comes to Paso Robles loans. What worked best for a relative or friend may not be the loan program that’s best for you. No matter the circumstances of your financial history or property for purchase, Christopher Austin communicates with you, your realtor, the seller’s agent, the title company, your insurance agent, and more, to get the transaction closed successfully and swiftly.
From origination and processing to underwriting and closing, the Paso Robles loan process can be an emotional one. After all, for many clients, the Paso Robles loan they’re obtaining is for their family home. With Christopher Austin, you get more than a Paso Robles home loan officer. You get Christopher’s knowledge and expertise of the Paso Robles loan market, superior customer service, and the comfort and compassion of a good friend.
Whether your schedule permits an in-person meeting or you need to start the process remotely via phone or chat, Christopher Austin offers complimentary consultations to discuss available loan options guidelines, and more.
In preparation for your loan consultation, you’ll want to gather some important documents:
- Pay stubs (or proof of self-employment income),
- Tax returns for the last year or two,
- Documentation of any non-employment income like interest and dividends, retirement, and social security,
- And the most recent two months of bank statements for any checking and/or savings account you have.
Common Paso Robles Loan Questions
What’s the difference between an appraisal and a survey and an inspection? And, why do I need both or all for my Paso Robles loan?
For an appraisal, and appraiser formulates an opinion of the property’s value for the lender, while during an inspection, the inspector educates the buyer about the condition of the home and its major components. The appraisal is to establish the value of the home whereas the inspection details the home’s condition in regard to existing and potential future problems.
A survey, on the other hand, goes to the question of the marketability of the house. The surveyor determines whether the house is within the property borders, whether there are any encroachments on the property by neighbors and the extent to which any easements on the property may affect legal title.
Typically, the type of financing you are seeking determines what documents you’ll need to obtain. In some cases, you will need an appraisal, survey, and inspection.
To help compare your options and decide which Paso Robles loan program fits your property, situation, and financial goals the best, call The California Mortgage King Christopher Austin at (805) 806-0088 or message him for a FREE consultation today. He’ll treat you like royalty!