It has never been more important to work with a trustworthy, reputable mortgage company. Cal State Home Loans has been serving the Inland Empire since 1993, and in the last fifteen years, we've seen it all! 

In these times of turmoil our record is untarnished! We have one of the lowest foreclosure ratings in the industry, and with that comes a long list of satisfied customers who are still in their homes. With our experience behind you, you can be certain that you will get the best and safest loan available in today's market.

TODAY'S RATE

 

What’s today’s rate? This is a very common question and many will shop rates until they hear what they want to hear, sometimes for weeks or months. The rate quoted now can change in a matter of minutes or hours. The amount of time it takes to go from the phone call to the lenders office is enough time for the rate to change.

 

Rates are like yo-yo’s. Up and down daily. What’s going on with the investors in the stock market? What are bonds doing? What just happened overseas? What just happened to the oil prices?  In addition, the interest rates you hear about on the nightly news or read about in the paper and on the internet are not necessarily the rates that you can get for a loan.  The rate that you qualify for will depend on some of the following factors such as: job situation, income, debts, credit scores, money management, late payments, cash on hand, assets, bankruptcy, foreclosure, or how much equity is available to refinance.

 

The recent changes in the mortgage industry have resulted in tougher application processes and lending standards. and sometimes it seems like the banks do not want to give out money. They want to know everything about you, including the relationships between the borrower and co-borrower if they are not married. So, when you are ready to commit to get a loan and move forward, be ready to tell me something about yourself and your co borrower.