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
In a world of ever-changing investment opportunities, real estate investment continues to stand out as a reliable and lucrative option. With its stability, potential for long-term growth, and diversification benefits, real estate has retained its position as a solid strategy in today's dynamic market. In this article, we will explore the reasons why investing in…
Purchasing a home is a significant financial decision, and one of the most critical factors is obtaining a mortgage. The process of getting a mortgage can be daunting and complex, and one of the first steps is obtaining a pre-approval. A pre-approval is essentially a lender's guarantee that they are willing to lend you a…
Summer is one of the busiest seasons in the real estate market. With the warm weather, longer days and the school year ending, many people are eager to buy a new home or move into a bigger one. If you are looking to sell your home this summer, there are several things you should do…
If you're considering making some upgrades to your home, adding a pool might be one of the best investments you can make. Not only does it provide a great space to relax and cool off during hot summer months, but it can also significantly increase your home's value. Here’s how building a pool can increase…
As a prospective homebuyer or homeowner, one of the most crucial decisions you will make is locking your mortgage rate. It is a decision that can have a significant impact on your finances for years to come. This decision is even more critical now as mortgage rates have been fluctuating in recent months due to…
Summer is almost here, and while we all love the warmer weather and sunshine, it's important to make sure our homes are ready for the heat. One of the best ways to prepare for summertime is to check your home's insulation. Proper insulation can help keep your home cool, comfortable, and energy-efficient during the hot…
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!
