Buying a Property in California?

Bausley Home Loans & Realty is here for you

Bausley Home Loans & Realty is dedicated to helping
California residents get a good loan

Bausley Home Loans & Realty works with several different types of loans. Click through the website or view the options below to see what we can do for you.

Think big with a jumbo loan.

If you have good credit and sold finances, you may be looking for a luxury home: a big piece of property, something in an expensive area, or both. Typical lending packages aren’t designed to handle the large loans required to finance these purchases, which means you’ll need to get a jumbo loan.

When a loan is larger than the limit set by the Federal Housing Finance Agency, it becomes a jumbo loan. This means it can’t be handled by Fannie Mae or Freddie Mac, the U.S. government’s home loan entities. Jumbo loans are generally used to finance high-end real estate purchases.

Jumbo
Loan

Conventional
Loan

Get flexible terms with one of the most diverse mortgage types.

Conventional loans offer flexibility. Whether you want a low downpayment, you want to avoid paying mortgage insurance, or you have a specific payment timeframe in mind, there’s a conventional loan well-suited for you. If you have the right financial history, a conventional loan can give you the best deal for your mortgage.

Most loan types are backed by a government agency (e.g. the Federal Housing Administration or the Department of Veteran Affairs). Conventional loans are backed by no one, meaning you’ll have to pay mortgage insurance if you aren’t able to put down at least 20%.

Get a home loan designed for people with lower incomes or credit scores.

Lower income families may have trouble qualifying for a home, but that doesn’t make it impossible. If you’re struggling to save up for your downpayment or you haven’t established more than two lines of credit, a Federal Housing Authority (FHA) loan may be a good option for you.

The FHA offers loans that require low downpayments. As well, you may be eligible even if you have a lower credit score. The exact requirements vary by state, but they’re designed to help people who need more time to pay down their loan.

FHA
Loan

VA
Loan

Get a $0 down mortgage, as thank you for your service.

Service members and their families deserve special consideration when applying for a loan. If you’ve served in the military, you probably won’t be expected to give a down payment. As well, you won’t be required to pay monthly mortgage insurance. These loans offer such good deals because they’re backed by the US Department of Veteran Affairs (VA).

At Bausley Home Loans & Realty , we’re proud to say we work with veterans every step of the way during the loan application process. We’ll guide you through requirements, documentation, and more.

Get a direct, short-term loan and avoid the red tape of bank loans.

Sometimes, you can’t wait to get a loan. If you’re competing with other buyers for a property, or you simply don’t want to deal with all the red tape, you may be able to get a hard money loan in a matter of days. This is incredible when compared to the weeks or months you usually have to wait for other loan types.

These loans can be so fast because they’re provided by private investors. The lending terms are usually set by the value of the property you’re buying, not your credit score. While you pay interest every month, the balloon payment means you only repay the principal at the end of your loan term.

Hard Money
Loan

Reverse
Mortgage (HECM)

Maintain your current quality of life by borrowing against the value of your home.

Mortgages allow you to get money in order to buy your home. Reverse mortgages, then, allow you to get money without selling your home. They’re generally used for people who are at least 62 years of age. Though they seem complicated, the right mortgage expert can help you maintain your current quality of life.

Homeowners who are at least 62 years of age may have a cashflow problem: even though they have good finances on paper, turning these finances into usable cash would require selling their home. A reverse mortgage allows you to access the value of your home without selling.

350

PREMIUM APARTMENTS
AND PENTHOUSES

178

SHOPS, BOUTIQUES
AND RESTAURANTS

1,000

ACRES OF YARDS
AND GARDEN

7,200

PERMANENT AND
SEASONAL RESIDENTS

Why Do People
Choose Bausley
Home Loans &
Realty?

At Bausley Home Loans & Realty , our mission is simple. During the mortgage application process, we’re your advocate. Whatever financing goals you have, it’s our job to fulfill them. This means getting the money you need.

Looking for a mortgage in Los Angeles ? If so, you need to find a mortgage broker who’s familiar with the area. Someone who’s helped people just like you get the money they need to buy a new property. There are a variety of pitfalls that can occur when trying to get a loan: banks that are trying to set terms designed in favor of the lender, regulations that determine what loans you are or aren’t eligible for. There are even occasions where someone’s credit report is wrong, making it difficult for them to get the loan they deserve.
 
Regardless of the problems you’re facing when trying to find a loan, you’ll want someone who’s helped people just like you. Someone who’s familiar with the lending system and someone who understands the needs of Los Angeles residents. Bausley Home Loans & Realty has built trust in the Los Angeles community by always endeavoring to make sure our client’s needs are met. We’re dedicated to finding the best loans available for our clients, and we’re not afraid to help during the negotiating process.
 
There are a variety of different loan types available on the market today, as well as many different lenders. This makes mortgage lending a “buyer’s market”, essentially. Our expertise allows us to determine what’s possible for you when applying for a new loan.

Bausley Home Loans & Realty

Schedule your free consultation with Bausley Home Loans & Realty today.

What Bausley Home Loans & Realty Can Do For You

“I didn’t think I could get a loan, but Bausley Home Loans & Realty found several good options.”

Jane Faber

If you’re looking for the best mortgage brokers in Los Angeles, look no further.”

John Smith

“You guys were there for me when I really needed someone.” 

Madelaine Taylor

“I don’t plan on buying another home in the future. But if I do, I’ll go to Bausley Home Loans & Realty.”

Sheila Marks

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