Home Purchase Loans
If you plan to buy a home, we'll make it happen. Whether you're a first-time home buyer or a seasoned real estate investor, we'll personalize a loan for your situation.
These days, it's all about security. Refinance into our most popular loan, the fixed-rate mortgage, and you'll get the peace of mind knowing that your payment and rate can never change. And with rates this low, you'll also know you're not spending too much.
Stated income loans are loans that do not require work history or tax docs verification. It’s a perfect loan for investors and self-employed who wish to purchase or refinance for an investment property. If you are an established business looking for working capital, you may have already realized how difficult it can be to find a small business loan, especially if your credit is not pristine. Even if your business is going strong, and you have more than enough revenue to cover the monthly payment on a new loan, it can be tricky getting approved in today’s economic climate.
An FHA Loan is an excellent choice for refinance, allowing financing for up to 97.75% of your home's value (85% for cash-out refinances). If you're in an FHA loan now, you could even refinance with no appraisal with our FHA Streamline option. FHA Loan is also popular for first-time home buyers - a down payment of only 3.5% needed!
Whatever your reason to refinance, we've got the loan you're looking for. Need cash out? We can do that. Want to lower your rate and payment? No problem.
Did you know that there are currently over 21 million veterans in the United States? America’s Veterans served for our country and we owe it to them to offer this earned VA benefit program. When it comes to benefits, it’s one that’s greatly deserved.
I was shopping around for a lender to get pre approved for a home purchase and found cbLoans on Yelp. I called on a Saturday morning hoping I could walk in the same day and a couple hours later I was meeting with Craig. Craig was fantastic – out of several lenders I spoke to he was the most thorough and helpful in explaining how things work and providing advice. His advice was clearly based on the right thing to do rather than focused on saying what would get him more business. I appreciate that. He provided great support during my home bidding process by tailoring my pre-approval letters to match the strategy I preferred to take with my offer. Nothing inaccurate or untrue of course, but adjusting the amount shown as pre-approved depending on whether I wanted to show or reveal my borrowing strength. I also appreciate Craig’s focus on keeping my info confidential and protected. I would highly recommend cbLoans if you need a loan!!!
Craig and his staff (especially Deb) was great and did a great job getting my husband and I a great interest rate on the refinancing of our home. We also appreciate Craig’s focus on keeping our info confidential and protected as well as he being well organized and walking us through the paperwork with ease explaining everything very clearly. Even though the process was a little long we didn’t mind because we knew that we could trust Craig as he was trying his best to get us the best refinance interest rate and HE DID! As a result, we are saving close to $400 per month. Both him and Deb are honest, helpful and knows the business and we would not hesitate to go to them again. We highly recommend CB Loans if you need to refinance, do a loan, etc. This is truly a company that you can trust. I give 5+ stars!!! Thanks again Craig and Deb.
You really appreciate a good loan officer after you’ve worked with really dumb ones. I own an rental property in LA and want to take full advantage of the current low interest rate environment. After 2 mortgage lenders that over promised and under delivered, I was given Craig’s info. From day one, Craig had a solid grasp on both my situation as well as what’s needed to get the refinancing done. What I appreciate about Craig is that instead of pitching me why cbLoans, he offered me solutions. I never felt any bait or switch tactics and wouldn’t hesitate referring him to anyone. Thank you!
Craig has helped refinance our house three times. He is honest, helpful and knows his business. He is organized and therefore efficient and can get through the paperwork with incredible ease. One feels they are in the hands of a competent professional which always puts us at ease. There has never been a problem with any of the refinancing that we have done with Craig and with each refinancing of our house we have saved money.
Craig at cbLoans is a real professional Loan Broker. I ask him to assist me finding a loan on an rental property. A few days later after interviewing several banks, he found the right lender and sent all the necessary paperwork. He helped all the way. I recommend cbLoans.
FREQUENTLY ASKED QUESTIONS
A mortgage broker is an independent real-estate financing professional who specializes in the origination of residential mortgage loans. Mortgage brokers normally pass the actual funding and servicing of loans on to wholesale lending sources. A mortgage broker is also an independent contractor working with (on average) as many as 40 lenders at any one time. Brokers provide consumers with:
One of the broker’s most important functions is escorting your loan application through the entire process, constantly patrolling the component transactions for possible breakdowns. A professional mortgage broker can wade through the mountains of rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options.
Yes, absolutely. The safety and soundness of the mortgage lending community is directly linked to the success and integrity of its home loan originations. Furthermore, mortgage brokers represent the single largest residential origination source today, emphasizing that they play a significant role in the mortgage loan process. These numbers highlight the fact that consumers who exercise their choice, choose mortgage brokers; most likely because brokers are dedicated to their customers: consumers, wholesale lenders, and ultimately, American taxpayers.
Brokers are regulated by several federal laws and regulations and dozens of state laws and licensing boards. NAMB supports reasonable and fair state and federal regulation of mortgage brokers and lenders. The industry is regulated by 17 federal laws and numerous state and federal regulations.