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Earlier in the year United Residential Lending was acquired by the iServe Companies (iServe) and National Asset Direct (NAD). The partnership has been great thus far, and is a large part of the reason United Residential Lending was able to sustain funding in 30 days or less while other lenders are still taking 60-120 days to close mortgages.

Starting this week United Residential Lending has officially changed it’s name to iServe Residential Lending. We still have the same great people, the same great loan products and the same lighting fast customer service and funding capabilities.

As always we look forward to earning your business and confidence as we serve the Orange County market.

I’ve made updates to the Aliso Viejo property, Anaheim property, Huntington Beach property, Laguna Niguel property and Santa Ana property pages today. You can find information on qualifying for a mortgage and finding the right property in Orange County. Please check out the pages and the links!

I often get asked: “Is this the bottom of the market?” and I always tell people that we won’t know what the bottom of the market is until AFTER home prices have started to recover. Anybody that tells you they can tell you in advance when the bottom of the housing market is pulling your leg. What is certain is that home prices are down substantially from where they were at 2-3 years ago at their peak. In fact, home prices are even lower in some markets than their sale price 10-12 years ago. This means that you will get more house for the money now than at any time in this decade!

If you want to make your move – please contact us today at 714.916-5354 to pre-qualify for a home loan today. Now is the perfect time to get the low interest rate, low down payment mortgage you need to get in to your dream home! At iServe Residential all we do is home loans and we’re very good at our job. We strive to close all of our loans within 10-30 days and to bring you the best home loan and mortgage products that are currently on the market! But, the best thing about working with iServe Residential is our people! Our staff is dedicated to providing you with the insights, information, integrity and innovative thinking that will make your home loan experience as pleasant and positive as possible!

At iServe Residential, our product is our PEOPLE! We service Anaheim, Santa Ana, Garden Grove, Irvine, Huntington Beach, Fullerton, Aliso Viejo, Laguna Niguel, and all the other great Cities in Orange County, and we look forward to serving you!

If you are looking for a home in Orange County right now, some of the best deals can be found in the For Sale By Owner (FSBO) or Foreclosure markets. Right now banks and individual home owners are desperate to shed costs and get homes and bad loans off their books. They’re taking less money than ever before to unload these homes in order to salvage what value they have. While this is bad news for some, it’s good news if you’re looking for a mortgage or home loan in Anaheim, Santa Ana, Garden Grove, Irvine, Huntington Beach, Fullerton, Aliso Viejo, Laguna Niguel, or any of the other GREAT cities in Orange County!

To get FREE up to date foreclosure and FSBO listings go to: http://www.homesbylender.com/orangecounty

If you register you will automatically be notified of new foreclosure and FSBO listings in Orange County. You can even fill out our home loan pre-qualification form, to get the mortgage you need to purchase the home of your dreams!

Mortgages and home loans are easy to qualify for with great FHA and HomePath financing options. You can qualify for your dream home with a FICO score of 640 and only 3% down! Now is the perfect time to buy, especially if you’re a first time home buyer since there are special financing offers and tax credits available.

As we move forward we will be providing information to home buyers for the following areas:

Aliso Viejo, Anaheim, Costa Mesa, Dana Point, Irvine, Huntington Beach, La Habra, Laguna Beach, Mission Viejo, Newport Beach, Orange,  Rancho Santa Margarita, Santa Ana, San Juan Capistrano and other areas in Orange County and Southern California.

We will provide home loan and mortgage information for both owner occupants and investors.  We will provide you with simple to understand, but in depth information on great loan programs like FHA, FHA Streamline, FHA 203(K) and (B), and HomePath.  We will also provide you with Real Estate resources including the best Realtor’s in Orange County and access to below market value home, and market data.

We look forward to earning your business!

If you are thinking about purchasing a new home, don’t wait until you find the perfect home to get prequalified! Make sure your credit is healthy and find out how much you can qualify for before you find the home of your dreams. This helps insure that you not only choose a home in the right price range, but help avoid falling in love with a home that you can’t afford!

Another great reason to get quaified as early in the process as possible is to insure the fastest closing possible. If there are multiple offers going in on a home, you may be at a disadvantage if you are not able to secure financing quickly. Don’t wait until the last minute!

We have home purchase specialists standing by that can give you FREE home purchase finance advice. Feel free to request a FREE Rate Quote or to Contact Us directly.

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As the Real Estate and financial markets continue to move up and down, mortgage rates can also be affected. Since mortgage rates are more closely tied to the bond markets, an up or down move in the stock market may not have the result in mortgage rates that one might expects. In fact, many times the resulting mortgage rate changes are counter-intuitive.

More importantly, rates change daily and they can change quickly. Some mortgage professionals have recently noted that their rate quotes have only had shelf lives of three to four hours before market changes have deemed them inaccurate.

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How does a consumer navigate fast changing markets in order to refinance their existing loan or purchase a home with the most favorable terms possible?

1. Plan – Define your needs ahead of time, do not wait until the last minute. This is especially true of home purchases.
2. Consult – Talk to your mortgage professional on a regular basis so they can interpret recent market events to you and communicate how those events can affect you.
3. Execute – When you have defined your needs and have determined that now is the best time to move forward, don’t shop yourself out of a good loan! What does this mean? It is easy to get caught up in shopping for the best rate, but it is not uncommon for home owners to miss locking their loan at a great rate because they are in search of better rates that do not exist or that they do not qualify for. It is important to shop to insure you are getting the best rate possible, but set limits to the number of companies you are going to consider doing business with and be careful of having your credit report needlessly and more times than is necessary!