refinance or purchase real estate in california    
          Mortgage Calculators - Calculate Monthly Savings, New Loan Terms 

Here at First Priority Financial Real Estate Lending Services, we
take the mystery out of getting your loan approved.  Work one
on one with a seasoned loan officer and have confidence
throughout the loan process that you will receive good old-fashion
customer service along with the most competitive rates and terms
available.  

Interest rates are still relatively low and if you currently have an
adjustable rate mortgage now is the time to refinance to a fixed
rate mortgage.  Take advantage of NEW Higher loan amounts that
the economic stimulus package has recently approved.  These new
limits are only temporary so act fast and apply now.  We also offer
FHA, VA and hard money loan programs.

     


 pre-approval is key    
       Apply Now: Secured Online Mortgage Application

Take advantage of our online loan application and get your
pre-approval within 24 hours.  Having a pre-approval letter in
hand lets your agent or realtor know that you are in the market
to purchase real estate and should be considered as a serious
buyer.  If you are considering to refinance, get pre-approved 
first.  This will avoid wasting your time and monies on appraisal.

New underwriting guidelines have eliminated stated income
loan programs so be ready to provide your most recent federal tax
returns covering the most recent 2 year period if you are self
employed.  If you are a w-2 wage earner you will only need to
provide your most recent paystubs covering the most recent 30
day period and w-2s covering the most recent 2 years.  In addition,
in most cases, all borrowers must verify cash reserves equal to 
2 months worth of your monthly mortgage payment including
real estate taxes and insurance.  This can be done by providing
2 months worth of your most recent bank statements for your
checking, savings, money market, stocks, bonds, 401k, IRA, CDs 
or any other readily liquid assets.