Get the best mortgage!
Explore our range of services designed to help you move forward with confidence, wherever you're headed next.
NMLS 2230812 | DRE 2154114
What We Offer
We offer a range of services to meet the needs of every client. Have something else in mind? We'd be happy to work with you to create a custom quote.
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Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.
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Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity with an update!
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Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever.
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Know where you stand. With a property evaluation in hand, you’ll have better access to your options so you can see the next move.
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Take advantage of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.
Our Process
Application
This initial phase involves gathering your financial information (income, assets, debts) to determine how much you can afford. The lender uses this information to issue a pre-approval letter, which provides an estimate of the loan amount you qualify for and demonstrates to sellers you are a serious buyer.
Process & Underwriting
Once your offer on a home is accepted, you submit a full application and provide all necessary documentation (pay stubs, tax returns, bank statements). During processing and underwriting, the lender verifies all your financial details, orders a property appraisal to confirm the home's value, and conducts a title search to ensure there are no legal claims on the property.
Loan Approval & Documentation
After the underwriter is satisfied that all conditions are met and the loan meets guidelines, the loan receives final approval. The lender then prepares the final loan documents, including the Closing Disclosure, which details all the terms, monthly payments, and costs associated with the loan.
Closing & Funding
This final step involves signing all the official paperwork and transferring funds. You will bring the necessary down payment and closing costs to the meeting. Once all documents are signed and the loan is funded, the title is transferred to your name, and you receive the keys to your new home.
GET ESTIMATED MONTHLY MORTGAGE!
Use our FREE tool to see how down payment, interest rate and purchase price can affect your monthly mortgage payment.
MARIO DIAZ JR
NMLS 2230812 DRE 2154114
ADDRESS:
401 Mendocino Ave Suite F, Santa Rosa, CA 95401
PHONE:
(707) 843-0869
EMAIL:
mdiaz@nextgenhomeloans.com