Veridian Mortgage
Loan Officer DRE 01144748 NMLS 334072
07/18/2023
🏠🎉 Happy National Mortgage Broker's Day! 🎉🏠
👋 Let's take a moment to appreciate the incredible team behind every successful loan here at Veridian Mortgage. 🤝💼 These dedicated professionals work tirelessly to make your homeownership dreams come true! 💪✨
📸 Meet the incredible faces that bring expertise, passion, and personalized service to each client journey. From our experienced brokers to our diligent processors, we're here to guide you every step of the way. 🌟
💼 Our team members are more than just experts in the field; they genuinely care about helping you find the perfect mortgage solution. Their commitment to providing exceptional service sets Veridian Mortgage apart. 🏆💙
03/29/2023
CalHFA makes homeownership a reality for Californians with their new down payment assistance program.
📣This is a game-changer for first-time homebuyers, and we are now accepting applications!
🔥Up to 20% down payment, with NO monthly payments
Email [email protected] to get started
Follow for updates
Homebuying Tip: 4 Credit Do Nots
If you’re in the process of buying a home, you’ll need to keep these credit tips in mind.
1. Don’t miss a payment
2. Don’t close long standing credit accounts
3. Don’t apply for new credit
4. Don’t make any large purchases like furniture or appliances
Follow for more homebuying tips.
Down Payment Tip: Using your 401K
One down payment alternative is tapping into your 401K. It may not be the traditional route for a down payment like saving cash but for some people it might be the right mortgage option for them.
If you plan to withdraw from your 401K or obtain a 401K loan, you should let your mortgage broker know during the pre-approval process. Remember to consolidate, document, and disclose your assets for a smooth home purchase.
Follow for more home buying tips.
Homebuying Tip: Closing Costs
Closing costs are broken up into two types of fees and are a percentage of the loan amount.
1. One-time non-recurring fees
Fees associated with your loan transaction and only need to be paid once. (example: escrow, title insurance, and appraisal fees)
2. Prorated recurring fees
Fees you’ll need to pay on a regular basis as long as you own the home. (example: interest, taxes, and insurance)
The final amount of your closing costs will also depend on the county you’re buying, what loan programs you’re applying for, and if you’ll be receiving any seller credit.
Follow for more homebuying tips.
Lenders and banks will require a paper trail for any large cash deposits. If you plan to use all or even some of the cash you receive as a wedding gift, you’ll need the funds in your bank account for at least two months to be properly seasoned.
Also let your mortgage broker know about your situation early in the home buying process to help you avoid any issues.
Follow for more homebuying tips.
09/29/2022
Your credit score is usually pulled in the pre-approval process, but the lender will do another pull during the underwriting stage. One solution would be to find a loan program that allows lower credit scores. A Mortgage broker has access to multiple lenders and loan programs.
VeriService is our promise to you to deliver an experience with positive outcomes at every customer touch point so that we can meet and exceed your expectations.
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09/27/2022
Navigating these programs can sometimes be overwhelming with lender overlays. Working with a mortgage broker can provide you with multiple options and help guide you during the mortgage process. https://www.veridianmortgage.com/blog/low-down-payment-options-for-first-time-home-buyers
09/27/2022
A mortgage lending experience like no other…
09/26/2022
To find out if the property you are interested in is an unwarrantable condo, you should ask your realtor or loan officer. The good news is that there are still lenders available who will lend on an unwarrantable condo.
Service Redefined
Coming next Tuesday 09/27/2022
09/22/2022
The right time to buy a home is always up to you. When working with a mortgage broker, you can access more lenders and loan programs than a traditional bank may offer. Finding a mortgage that fits your needs is our goal.
Coming Soon...
09/27/22
09/20/2022
Did you know that not all lenders count RSUs as income? And each lender may have different requirements for RSU income.
If you are considering using RSUs to increase how much you are pre-approved for, it’s essential to work closely with your mortgage broker, who can help guide you through the lender’s requirements.
09/19/2022
Did you know that you don’t need 20% down to buy a home? When working with a mortgage broker, you can find options that fit your financial goals. Read our latest blog to learn what your options are for low down payment options for jumbo loan amounts. https://www.veridianmortgage.com/blog/low-down-payment-options-for-jumbo-loan-amounts
09/15/2022
Your Debt-to-Income (DTI) is a calculation that compares how much you owe to how much you earn. So making large purchases or acquiring new debt may affect how much you can qualify.
09/14/2022
If having a low-interest rate is a priority in your home buying process, you should discuss what options are available for your scenario with your loan officer. https://www.veridianmortgage.com/blog/what-are-mortgage-points
09/12/2022
It’s a good time to start planning for 2023. You can still refinance your home and close in 30 days or less. This will help you get a head start on your 2023 goals.
09/08/2022
Getting pre-approved is the first step in your home buying journey. It’s important to remember that pre-approvals are conditional, which means they can be denied if you don’t meet the lender's requirements.
09/06/2022
Mortgage rates are in constant flux, changing daily. That is because there are a lot of different factors that influence mortgage rates. The advertised rate may have been available only on a certain day.
There is no citizenship requirement for real estate sales in the U.S., but acquiring a mortgage may be a challenge if they do not have any credit history or social security number. The good news is that as the non-QM world expands, we now see foreign national guidelines with only 25% down payments on 2nd home and investment properties with loans as high as $3.0M!
09/01/2022
A cash-out refinance will give you access to the equity in your home. Contact one of our loan officers today for a free consultation.
You can start preparing for a home purchase today, even if you don’t plan to buy until next year.
1. Review your credit report
2. Consolidate your bank accounts
3. Save for your down payment and closing costs
4. Prepare your budget
08/29/2022
We offer free consultations; contact our office today for a free loan evaluation.
08/26/2022
The kids are going back to school and we’re seeing shorter days. It’s time to start prepping for Fall.
If you’re looking for help to build your credit score, schedule a free 15-minute consultation with one of our loan officers today.
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2975 Bowers Avenue, Suite 315
Santa Clara, CA
95051
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