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Orange County Home Loans

Orange County is the smallest county in Southern California. Yet, it is the sixth most populated county in the United States. This county is known worldwide due to its tourist attractions, Disneyland being one of them. The city of Santa Ana is its main political hub. Anaheim is its main tourist destination while Irvine is its major business and financial center.

In order to ensure that its massive population (3,010,232) lives comfortably, Orange County is home to many different home styles, sizes and pricing. With homes ranging from $150,000 to $3,000,000 plus, you are sure to find a home that meets your needs.

Whatever the price of the house, in order to purchase a home, you must first get a mortgage. A home loan is by definition a loan taken from a financing institution to pay for the house you are purchasing. American Real Estate Loans offers home loans and mortgage refinancing in Orange County, California.

A mortgage pre-approval is sometimes required to purchase a home in Orange County. Orange County mortgage rates have fallen with that of the rest of California in the last two years. A letter from American Real Estate Loans with pre-approval can help you gain an edge in purchasing a home, as the inventory of available homes get low and competition for property is high. Orange County mortgage is affected by the credit score of the buyer, the income to debt ratio and more. A low credit score can entirely prevent a purchase while a moderate one can lead to an increase in the interest rate, depending on the loan program.

As far as the down payment is concerned, the percentage can be as low as 3.5 percent with an FHA loan. It is generally advisable to pay as much down payment as possible, however different loan programs provide different opportunities for down payment.

If you are looking to purchase a home in Orange County, American Real Estate Loans is your premier choice for Orange County mortgage loans, with a variety of home loan programs to match you to the right financing for your unique situation. It’s easy to get pre-qualified, simply fill out our Quick Quote form above and a qualified mortgage lender in Orange County will contact you as soon as possible.

Refinance Mortgage in Orange County

If you are currently looking to refinance your home in Orange County, American Real Estate Loans offers multiple refinance choices for all kinds of financing needs. Whether you want to lower your home mortgage payments each month or get cash out of the equity in your home, or pay off your home loan faster or even convert from an adjustable rate to a fixed rate loan, we can help you get refinanced today.

Get help now! Fill out our Quick Quote above to get the Orange County mortgage service that you can trust.

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