Address: 2542 S Bascom Ave STE 185, Campbell, CA 95008, USA
Phone: +14086876109
Sunday: Closed
Monday: 9AM–5PM
Tuesday: 9AM–5PM
Wednesday: 9AM–5PM
Thursday: 9AM–5PM
Friday: 9AM–5PM
Saturday: Closed
Lori Maupas
Chris has helped me refinance my home three times now and never disappoints. This time, he had to be persistent, as my work situation changed and my mixed income (W2 + 1099) put me at a disadvantage with banks. That didn't stop him! He secured for me a very (VERY) low rate, dropping my mortgage by about $600/month. Throughout the entire process Chris was proactive and responsive, continually and proactively updating me on the process and status of the refinance. I will always rely on Chris for home purchase or refinancing services, and I highly recommend him to anyone who needs a home loan.
Orders Desk
Working together with Chris made buying our dream home an easy and smooth experience. His experience and knowledge made everything a lot easier. He always had our backs and made sure we were taken care off, not to mention he got us the best rate possible! Thank you Chris!
Varun Harlalka
Chris has been a very proactive and extremely cooperative mortgage professional. In this field of numerous loan officers, chris maintains personal warmth and discharges his duties with utmost professionalism. In my case i went for refinancing of my home with him and from day1 he was very responsive and in between i had to travel out of country but he stayed connected and ensured closing is on time. I really wish if i met chris for my first time financing as well. I would highly recommend chris for a hassle free and trustworthy experience.
Ben Lozano
Chris Johnson did a great job helping get us our first loan as well as a refinance down the road. Chris’s excellent communication and tireless work ethic played a huge role in getting us the best rate and loan that was the best for our family. I will not hesitate to recommend Chris to our friends and family for their loan and refinance needs. If you don’t know where to start, or if you’ve had not so good experiences in the past, give Chris a call. He will not only take care of you, he will make you feel like you are the only client he has.
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The timing depends a little bit. We work to have your loan ready for closing as soon as possible! Generally the items that take the longest to receive are things such as the appraisal and the title work and the conditions that we need your help with. We can push the lender and escrow as much as possible but we depend on you being responsive to requests as well. We’ll also want to get the appraisal ordered, if required, as soon as possible to avoid any delays. If you are purchasing a new home, we’ll communicate with the agents involved to meet any contractual deadlines and close on time.
PMI or Private Mortgage Insurance is provided by a private company to protect the mortgage lender against losses that might be incurred if a loan defaults. It can make a big difference in how quickly your mortgage loan is approved and how much money you spend on a down payment. It is generally required if the loan amount is more than 80% of the home’s value. This insurance benefits the lender, but it also helps homebuyers as well. Because the lender is protected by mortgage insurance, they can offer loans with low down payments. Without mortgage insurance, lenders would need to require a down payment of at least 20% of the loan amount. You may prefer to use it for other purposes. Give us a call for more information at (408) 402-5770.
In addition to your down payment, you will need funds to cover the associated costs of getting a mortgage. Total costs include the charges for your appraisal, tax service, survey (if necessary), deposit, closing fee, flood certificate, title commitment, and recording fees. Additional costs can also be involved in a purchase depending on the particular situation, including; points, inspection fees, pre-paid interest, taxes, insurance, and private mortgage insurance (PMI). A home loan often involves many fees, such as the appraisal fee, title charges, closing fees, and state or local taxes.
When we initially meet for a pre-qualification appointment, we will ask a fair number of questions as we analyze your current financial situation and the goals you have with the purchase or refinance. Some of those questions may be: 1. How long will you stay in the home? 2. Does the property fit your needs now? In the future? 3. Do you want a lower payment or to pay off the home sooner?4. Do you have a retirement or Financial plan for the future? Once we have your goals sorted out, we can then advise you on which program our professional experience would suggest for you. We want to help achieve both your long and short term goals. These suggestions are based upon our knowledge but you are the boss and decide the best choice for you!
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