Your loan origination team consists of professionals with more than 40 years combined experience in the real estate industry. Our product knowledge will give you complete confidence that you are in the best of hands. We believe that clear communication and consistent proactive practices are the most important elements to the overall success of every loan transaction. With your cooperation, we are committed to completing your transaction as quickly as possible, usually within 21-30 days. If you should ever have any questions or concerns during the process, please do not hesitate to contact one of us and we will be more than happy to help. A Jumbo Loan is designed for those looking to go above the county limit. Due to the high amount of defaults on these types of loans in the last few years, these guidelines are constantly changing and are usually very specific to the individual borrower and their financial goals. It is critical on these loans that borrowers complete a full loan application with their loan professional, as well as submit all documentation for review by an Underwriter well before placing an offer on a home. These borrowers always have outstanding credit and income, but that usually comes with intricate financial and tax structures. To avoid any headaches and to get aligned with the best loan product it is best to get a full approval, including a full review of the assets to be used in the transaction as well as the remaining reserves. As a first-time homebuyer, you have an exciting journey ahead. We know applying for your first mortgage loan and navigating a complex housing market can be daunting. The RuizTeam wants your first home purchase to be a rewarding experience and we're here to help first-time home buyers any way we can. Your mortgage loan originator can answer any questions you may have along the way. In the meantime, here's some practical advice to get you started on the right path to buying your first home. Saturday: By Appointment