Mortgage Home Purchase Loans | California Platinum Loans

Find out how much home you can afford right NOW!

Know exactly what you can afford before you start searching for a home.

Congratulations! You’re ready to buy a home…

Mortgage Home Purchase Loans without the Hassle!

The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you – whether you’re a first-time home buyer or a seasoned investor.

The Home Purchase Loan Process

Here’s how our home purchase loan process works:

Do i qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “32/45.” This means that no more than 32% of your total monthly income (from all sources, before taxes) can go toward housing, and no more than 45% of your monthly income can go toward your total monthly debt (including your mortgage payment).