Welcome to Pacific Wholesale Mortgage! We are the Hoffart-Vaughn Team, your California home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.
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FHA home loans are popular among California first-time homebuyers due to low down payment and credit requirements.
FHA Loans
A conventional(fixed-rate mortgage) is a popular type of home financing in California because it offers predictability for your budget.
Conventional Loans
Jumbo home loans are most appropriate for a segment of high-income earners who make between $250,000-$500,000 a year.
Jumbo Loans
Looking at homes which are adjacent to vacant or nearby undeveloped land always comes with a question mark. When viewing these homes use caution and take emotion out of the equation. Rather than becoming enamored with the vast open space behind the house, buyers should use a critical eye instead... envisioning the back of another…
In summer, there is nothing more relaxing than spending time at home with your family. The sun is shining, which means it's time to get started on those projects you've been putting off for months. Now that summer is almost here, you'll want to get started on home improvement projects and take advantage of the…
Home electronics and electrical devices can get dirty sooner than you may expect. Dust can quickly gather on televisions and other screens and surfaces, while fingers can leave oils, bacteria and smudges on keyboards, remote controls, smartphones and more. It's important to keep home electronics clean, especially during cold and flu season. It's easy to…
Many people love the cozy and soothing ambiance that fireplaces provide, whether it's the crackling sound of burning wood or the mesmerizing flicker of flames. Traditional wood-burning fireplaces are common in older homes, but new construction houses often have gas or electric fireplaces instead, since they are less costly, easier to install, and require less…
If you want to sell your home fast and expect to get your asking price, you must stage it to attract as many buyers as possible. Home staging is a strategy that many sellers use to show off their property’s potential, and it’s one of the most important tasks you can do before putting your…
When you renovate your property, you’re showing potential renters that you care enough to make your property as attractive as possible to potential tenants. Yet, Many landlords make the mistake of over improving a rental property. Rentals need to be hard-wearing, since many tenants don’t respect the property as they would their own home. When…
California
Mortgage RatesAll mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with The Hoffart-Vaughn Team to receive a personalized rate for your specific situation.
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in California? Now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
