Let Us Help You Buy Your New Home!
Purchasing a home is a very exciting time, and being well
prepared will help you make better decisions. Take this
opportunity to learn more about home buying and the mortgage
process. Below and throughout this site you will find
information that will help you with the purchase of your new home.
Am I ready to buy?
Buying a home offers many advantages, one of the most significant being that it allows you to build equity (ownership) when you pay your mortgage each month. A common myth is that monthly mortgage payments are more expensive than rent. But, in many cases, mortgage payments can be even less than rent. When considering home ownership for the first time, you need to decide whether buying makes financial and practical sense for you right now or if you are better off renting. Consider both the advantages and disadvantages to renting as well as buying, and weigh the pros and cons for your situation.
How much house can I afford?
The first step toward finding the right home is to
quickly compute your purchasing power and determine how
much you can afford to pay each month. This saves you
time by allowing you to focus on homes in your price range.
In addition, in the planning stage, you should consider both the up-front and ongoing costs associated with purchasing a home.
Some up-front costs include:
Down payment: Typically ranges from 3-30% of
the cost of the house. The more you can put down, the
greater equity you will have in your home and the lower
your monthly payment will be. For down payments, less than
20% you may also need to pay mortgage insurance.
Closing Costs: Typically range from 2-6% of the loan amount depending on your area.
On-going Costs: Your housing costs can include the following:
Monthly mortgage payment
If applicable - Flood Insurance
If applicable - Property taxes
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Our Happy Clients
"I came to Rohit first time when other agents were not able to close my mortgages but in same situation, Rohit was able to close my mortgage. He is well experienced and knows which lender to approach in the given financial situation of his client. In case of lender's query - he is sharp enough to find the way out ( in given client's situation) and reply to lender's query, least bothering to his client. I have worked with Rohit to buy as well as refinance my homes five times in four years every time I got best experience with him....! That is why I have rated 5 out of 5 !!!! Any of my friends talks about mortgage - I give Rohit name with full confidence without any hesitation...!!!"
"I would like to thank Rohit MOhan and his team wholeheartedly for their highly professional mortgage services in securing our home mortgage in 2017 for our house in San Francisco where there were a lot of complications and then recently completing our refinancing the same house. He is a joy to work with and is very transparent and informative. I would highly recommend him and his awesome team for all mortgage needs. Thanks again Rohit for all the help."
Me and my wife have worked with Rohit Mohan and team for 3rd time and as always he delivers the best experience. He and his team follows up and answer any questions that you may have in the process. They are very knowledgeable. The process is completed on time and without stress.
"Lender had been very cooperative and the Financial process of buying home had been seamless! The closing process was very fast! Just within 20 days of locking, the transaction had been completed."
"Done in timely manner and the staff was very aware of my financial situation Mohan was very propmt on returning my phone calls and worked with me on packaging the loan for my home."
"It was a great pleasure to work with Rohit. He is always on top of your application and keeps you constantly informed throughout the process. He operates at the speed of light and educates you in the process. Rates offered by his mortgage company are the best in the market and you can be assured of quality service. Rohit is extremely knowledgeable and well regarded expert in his field. He was able to instill confidence in me before starting the loan application process. The whole experience was a very smooth and rewarding journey. In this process he was not only able to educate me but also correct some of the well-known lenders/brokers who were trying to mislead me with incorrect loan and qualification information. I am truly amazed by Rohit’s expertise and without him, our home buying dream would have been incomplete. Thank you, Rohit for everything you did for us. I will not hesitate to refer you to anyone looking for a reliable, knowledgeable, responsive, and honest loan agent."
"I have done a couple of transactions with Rohit and I must say it has been a great experience every single time. Rohit is very experienced and extremely transparent. In my last transaction my wife was about to travel out of country but Rohit arranged for her Power Of Attorney and also made sure we get a great rate! We loved dealing with him and will recommend him to everyone. I will look forward to dealing with him for our next house. "
"We bought our first home and we were glad that we selected Rohit as our mortgage broker! He is very knowledgeable and helped us understand our different options without being pushy! He also raised some good red flags in advance so that we had enough time to address those issues!"
"I had a great experience with Rohit, Refinance process was smooth everything was as expected. I would recommend Rohit for refinancing. Rohit offers the most competitive rates in the Industry. I think he is one of the best mortgage specialists in the Industry."
"We recently worked with Rohit and his team to close the loan for our house. I must say working with them was one of the best decisions we made. Rohit is very knowledgeable and creative when it comes to mortgage solutions. He will ensure you get the best rate and are able to afford the house you want to buy. He goes really above and beyond his job of being a loan officer and will guide you every step of the way. His team is very professional and always on top of all key milestones. I am definitely going to recommend his name to my friends looking for a new loan/ refinance and we will surely give him a call if we need one in future."