Mortgage Solutions to Fit Your Needs

Your home is one of your most valuable assets. For that reason, mortgage services are a vital component of financial management. Mortgage brokers and bank loan officers often sell a particular type, term or size of loan without taking your long-term financial goals into account. We adhere to a different philosophy. Our loan officers partnered with our financial advisors will ask you the important questions:

• How long do your plan on staying in your home?
  
  
• What size of loan is necessary?
  
  
• Do you need to draw equity from your home?
  
  
• Do you need to free up cash flow on a monthly basis or consolidate high-interest debt?

These are just some of the factors that play a large role in determining the proper mortgage solution for your needs. DA/CA Financial Group - Mortgage & Realty has access to mortgage programs from many leading financial institutions - allowing you to select the mortgage that fits your needs. Some of the transaction and refinancing choices available include:

Fixed-Rate Mortgages: 30- and 15-year fixed mortgages may be a
great choice for borrowers looking for long-term financing and those
planning to live in their home for more than 5 years.

Adjustable-Rate Mortgages: Adjustable-rate mortgages provide
lower cost financing for a predetermined period of time. These can be
a good choice for those planning on living in their homes for a
shorter time period. Your advisor can provide adjustable-rate
mortgages for 1 month, 6 months, 1 year, 3 years, 5 years or 7 years.

Interest-Only Adjustable-Rate Mortgages: This can be a great
way to help maximize monthly cash flow on a primary residence or on
income producing properties.

Home Equity Lines of Credit and Second Mortgages: These are
often popular choices for those borrowers looking to consolidate debt,
make a major transaction, or make improvements.

First and Second Transaction Combinations: Combining a first and
second mortgage on a real estate transaction can help borrowers avoid
paying Private Mortgage Insurance (PMI), which is not tax deductible.

Your trusted loan consultant can provide you with financing for your
primary residence, income producing properties (1-4 units), vacation
properties, second homes and commercial properties. Contact us today
to evaluate your mortgage alternatives.