Irvine Mortgage - About us
Irvine Mortgage Organization Mission Statement:  On this site, you will be provided with the most up-to-date tips and strategies on how to get the best Irvine interest rates and the lowest mortgage closing cost.  Please note, we do not offer mortgages, nor do we share your information with any lender. We are not connected in any way with any bank, credit union, mortgage broker, or corporation.  So you can rest assured we will give you the best advice possible about getting an Irvine Home Mortgage.
Our goals: We have very simple goals - to inform and educate those whom are interested in obtaining a mortgage. Whether for an Irvine Refinance or for any Irvine home purchase, we are here to offer our assistance and advice.
Our motivation: With the vast amount of misinformation and myths out there concerning getting a mortgage, a group of us decided to build a site which provides a comprehensive and complete guide for obtaining an Irvine mortgage.  Our only motive is to get the correct information out to the public.
More often than not, loan officers and real estate agents have other motives and will “fail” to give up the full picture. This has happened time and time again as you can see from the news and online articles.  Let our site be a source of useful knowledge and advice from industry experts.
Our background: The members of our group have been involved in the real estate and mortgage industries for many years. Additionally, we come from different facets of the industry so you can rest assured that the advice given here is accurate and complete.
What makes us special: Nearly all sites on the web will try to sell you something, but here at Irvine Mortgage Guide there is nothing to buy, no sign-ups or registrations. We don’t even collect your email address by offering free e-books, reports, lessons and such. We are sure you are familiar with them: You sign up and your email inbox is filled with “free reports” for the next several months. You will find no free reports here because all the knowledge our group has to offer will be on this site for you to read at your leisure.
What’s include in our site: Within our site, you will find a guide to qualifying for an Irvine Mortgage , steps to repair and/or rebuild damaged credit, how to sell your home with or without an agent, how to plan for a mortgage application, how to build credit for people with no credit (excellent for young people, immigrants, or just someone who never bothered to do so), and much more. You will also find numerous articles concerning mortgages, real estate, and the economy in general.
Irvine Mortgage evaluation report: One of the incredible advantages to our site is that you will be able to submit your Good Faith Estimate (GFE) for one of us to review for FREE. We will look at all determining factors - interest rates, closing costs, and monthly payment - and provide a personal thumbs up or thumbs down report to you.  This will save you a ton of money and give you the piece of mind in knowing you are getting a good deal on your Irvine Mortgage. Remember, this offer is for a limited time as we do have other life obligations, so take advantage of this ASAP.  Click here for more information or Email Your GFE now.
Feedback: We at Irvine Mortgage Organization value your feedback and comments.
Disclaimer: We are not attorneys nor accountants. Therefore, any advice regarding tax issues or legal matters should only be read for entertainment purposes.  You must consult with your attorney and/or your CPA for such matters that concern law and/or taxes.
And by visiting our site, you’ve acknowledged that you have read the above and hold us harmless of any claims.

Home mortgage – The easy way to own a house.
Everyone in this world has the desire to own a piece of land and a house which we can call our own. But it requires huge investments, and therefore, many of us never follow through with our dream. Home mortgage gives us an opportunity to purchase a house of our very own. Common myths have many of us believing that obtaining a home mortgage is a complex process. In reality, it is not that difficult to understand. To put the process in simple words: we take a loan from the mortgage lender and give the ownership of the house to the mortgage lender until we fulfill our obligation of payment.
Now there are a lot of things to consider before taking out a mortgage loan. Every mortgage lender grants loans based upon your credit history, therefore the most important thing is to get your finances in order.  This will assure the mortgage lender is that you won’t default on payments. Some of the other indicators used by mortgage lenders are the applicant’s debt level and current financial position. If you have huge pending debts, then most mortgage lenders will not approve you. If you have not had stable employment for a period of time, then that also will be detrimental to your application. Now if you pass both these criteria, then you can move forward to the next step.
The next crucial step would be to find a trustworthy lender. You can ask your friends, family and colleagues to give you sound advice. And if you are still not satisfied, conduct your own research concerning home mortgage lenders. For example, you can find useful information on loan officers, brokers, and agents from the Irvine Home Mortgage Program in Irvine, CA. So if you are seeking an Irvine mortgage, you can sign-up on their site to receive their guidance. You can also find an array of information regarding Irvine Refinance. Refinance has become very popular in recent years.  It is a method of paying off your current loan by borrowing funds from another institution at a lower interest rate.
Now it’s important for you to choose a house which is affordable and in good living condition. Prior to making your offer, ask different realtors to appraise the house. Be cautious about signing any legal documents; people often make the mistake of not reading the documents before signing. It is always best to read each clause of the agreement thoroughly as it will give you a better understanding of the contract you are about to enter. After you sign the documents and move in, the house is yours. That’s it. Welcome to your new home.

Moving a car? Learn about car shipping today!

The real world: A man is self-employed and wants to buy a house using an $8000 tax credit promised by the government. Combined with his spouse, they make $5000 per month and want to know if the following choices are correct. (This came from a forum post)  Irvine Mortgage comments are shown below:
1. Borrow $8,000 from my parents, which will be paid back upon receiving the tax credit. We’d basically be having the tax credit forwarded to us.
2. Pay my wife’s credit card debt in full with the $8,000. This will free up $350 per month and improve her credit score within 30-45 days when it is reported to the credit bureaus. With approximately $15,000 of remaining debt, our combined monthly minimum credit card payments drop to about $400 per month. That $400 makes a big difference still though, so…
3. Get a mortgage pre approval and buy a house (that’s a lot for one step haha).
3. Hang in there and pay our mortgage, along with our $400 per month credit card payments.
4. After a couple months, apply for a $15,000 home equity loan and use that to pay off the rest of our debt and live very comfortably. ”
Based upon reading the above comments, I think you’re buying a house for the wrong reasons. I’ve had clients in similar financial situations do the same thing as you and fail. And here is why:
a. You have no cushion, no savings, no back up money, and you are living paycheck to paycheck. And, God forbid, if something were to happen to either one of you, you are SOL.
b. There will be additional expenses like home owner’s insurance, furniture, and other stuff that will be required when you move into a new home. Are you going to finance those, also?
c. The RE market is not going up and it may even go down more. There are a lot of homes sitting for months on the market and as prices fall, so does your chance of getting that 15K HELOC.
I would advise you to work at paying off your debt, put some of that 8K away, and use the rest to pay down your debt.
Real case example: Todd and is wife, Kathy, came to me to get a mortgage. And just like you, they had debts, no savings, etc. Well, I managed to get them into a home. A year later, I came by to visit only to find that they were losing their home because Todd had hurt this back at work. And they are still in court over the injury with his employer. I’m sure you can figure out the rest of the story.