Orange County Mortgage

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Orange County, California is a county in Southern California. Its county seat is Santa Ana. With a population of 3,056,865 (2005 estimate [1]), it is the second most populous county in the state of California and the fifth most populous in the United States. The county is known for its wealth and political conservatism, although it is in reality neither as uniformly wealthy nor as politically conservative as its stereotypical image suggests. It is also famous as a tourist destination, as the county is home to Disneyland, Knott's Berry Farm, and miles of sandy beaches. It is at the center of Southern California's Tech Coast. Orange County is bordered on the west by the Pacific Ocean, on the north by Los Angeles County, on the northeast by San Bernardino County, on the east by Riverside County, and on the south by San Diego County. The northern part of the county lies on the coastal plain of the Los Angeles Basin, while the southern half lies on the foothills of the Santa Ana Mountains. Most of Orange County's population resides in one of two shallow coastal valleys that lie in the basin, the Santa Ana Valley and the Saddleback Valley. The coastal plain gently rises into the Santa Ana Mountains, which lie within the boundaries of the county and of the Cleveland National Forest. The high point is Santiago Peak (5,687 ft/1,733 m), about 20 mi (32 km) east of Santa Ana. Santiago Peak and nearby Modjeska Peak, just 200 feet shorter, form a ridge known as Saddleback, visible from almost everywhere in the county. The cities of Orange County are connected by a network of freeways, which residents typically call by their route number rather than their formal name (i.e., "The Fifty-five" instead of "The Costa Mesa Freeway"). One of the most important Orange County roadways is the Santa Ana Freeway, or Interstate 5, which runs North-South bisecting the length of the county. It merges with another key north-south road, the San Diego Freeway (Interstate 405) in Irvine. The 5 and 405 freeways meet at the "El Toro Y," one of the busiest interchanges in the U.S. Another notoriously busy interchange is the Orange Crush, where the 5, 22, and 57 meet. Residents often divide the county into "North County" and "South County", as opposed to an East-West division characterized by coastal and inland cities. There is no formal geographical division of North and South County, though a North-South border may be drawn somewhere along the Tustin-Irvine and Costa Mesa-Newport Beach city boundaries, or along the boundary between the 714 and 949 area codes. Orange County is part of the five-county Greater Los Angeles area. Members of the Tongva and Juaneño/Luiseño nations long inhabited the area. After the 1769 expedition of Gaspar de Portolà, a Spanish expedition led by Junipero Serra named the area Vallejo de Santa Ana (Valley of Saint Anne). On November 1, 1776, Mission San Juan Capistrano became the first permanent European settlement.

http://www.oc.ca.gov/ - Other helpful information.

Our mortgage brokers will pre-qualify you to buy Orange County real estate. Mortgage interest rates are always changing and you can qualify for a California home loan regardless of your credit history!

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Orange County Fixed Rate Mortgages

This is the most common type of mortgage program. Your monthly payments for interest and principal never change. Property taxes and homeowners insurance may increase, but generally your monthly payments will be very stable.

Orange County Adjustable Rate Mortgages

These loans generally begin with an interest rate that is 2-3 percent below a comparable fixed rate mortgage, and could allow you to buy a more expensive home. However, the interest rate changes at specified intervals (for example, every year) depending on changing market conditions; if interest rates go up, your monthly mortgage payment will go up, too. However, if rates go down, your mortgage payment will drop also.

Orange County Reverse Mortgage

A reverse mortgage is a special type of loan made to older homeowners to enable them to convert the equity in their home to cash to finance living expenses, home improvements, in-home health care, or other needs. With a reverse mortgage, the payment stream is "reversed." That is, payments are made by the lender to the borrower, rather than monthly repayments by the borrower to the lender, as occurs with a regular home purchase mortgage.

California FHA and VA Mortgage Loans

There are many factors to consider when applying for a government loan. We will be by your side every step of the way. Below is some helpful information to help get you started.