Loan Programs Built Around Your Life
At Redwood Crest Mortgage, we believe financing a home should feel straightforward. We offer a range of loan options designed to match where you are in your financial journey, with clear terms and people who take time to understand your situation.
Real families have trusted us to help them achieve homeownership through programs that worked for their circumstances.
- First-time homebuyers
- Refinancing solutions
- Flexible loan terms
Programs Designed for Different Needs
Whether you're buying your first home, looking to refinance, or exploring options for an investment property, we have loan programs structured to fit your specific situation. Each program comes with transparent terms, dedicated support, and the flexibility you need to make the right financial decision for your family.
-
Fixed-Rate Mortgages
Predictable monthly payments that stay the same for the life of your loan. Choose a 15, 20, or 30-year term based on what works best for your budget and timeline.
-
Adjustable-Rate Mortgages
Start with a lower initial rate that adjusts after a set period. Good for borrowers planning to sell or refinance before the rate changes, or those expecting income growth.
-
FHA and Conventional Loans
We offer both government-backed and conventional options. FHA loans work well for buyers with smaller down payments or working to rebuild credit. Conventional loans offer flexibility for well-qualified borrowers.
Why Choose Our Programs
Clarity and Support from Start to Close
The mortgage process can feel overwhelming. That's why we focus on making it understandable. Our loan officers work with you to review all available programs, explain what each option means for your monthly payment and long-term finances, and help you choose the path that aligns with your goals.
We believe you shouldn't have to choose between competitive terms and personal service. With Redwood Crest Mortgage, you get both. We handle the complexity so you can focus on the excitement of moving into your new home.
Questions About Our Loan Programs
How do I know which program is right for me
The right program depends on several factors: your down payment amount, how long you plan to stay in the home, your comfort with payment changes, and your current financial situation. We recommend speaking with one of our loan officers who can review your specific circumstances and walk you through how each program would work for you. There's no one-size-fits-all answer, but there is a right answer for your situation.
What's the timeline from application to closing
Most loans move through our process in 30 to 45 days, though this can vary based on how quickly we receive documentation and how complex your financial situation is. We'll give you a clear timeline when you apply and keep you updated throughout. Our goal is to move efficiently without cutting corners on the care we take with your application.
What fees and costs should I expect
Closing costs typically include appraisal, title insurance, escrow services, and other third-party fees. We provide a clear estimate of these costs upfront so you know what to expect. Some costs vary depending on your loan type and location. We encourage you to ask questions about any fee you don't understand.
Common Questions About Our Loan Programs
We've answered questions from thousands of borrowers. Here are some of the most common ones. If you don't see what you're looking for, our team is ready to help.
What's the difference between a fixed-rate and adjustable-rate mortgage
With a fixed-rate mortgage, your interest rate and monthly payment stay the same for the entire life of the loan. This gives you predictability and stability. An adjustable-rate mortgage starts with a lower initial rate that changes after a set period, usually 3, 5, 7, or 10 years. After that period, your rate adjusts based on market conditions. Fixed-rate mortgages work well if you plan to stay in your home long-term. Adjustable-rate mortgages can be a good choice if you're planning to refinance or sell before the rate adjusts, or if you expect your income to grow significantly.
Can I get a mortgage if I'm a first-time homebuyer
Absolutely. First-time homebuyers are an important part of our business. We offer programs specifically designed for new buyers, including FHA loans that require smaller down payments and are more flexible with credit history. We also provide guidance throughout the process and can connect you with resources to help you understand homeownership. Being a first-time buyer doesn't disqualify you, and we're here to make the process as clear and supportive as possible.
What down payment options do I have
Down payment requirements vary by program. FHA loans can be done with down payments as low as 3.5 percent of the purchase price. Conventional loans typically require 3 to 20 percent down, depending on your qualifications and the lender's guidelines. A larger down payment often results in better terms, but it's not always necessary. Our loan officers can discuss what makes sense for your financial situation.
What if my credit score isn't perfect
Your credit score is one factor we consider, not the only one. We review your complete financial picture, including your income, employment history, debts, and savings. If you've had challenges in the past, we want to understand the circumstances. Many borrowers work with us successfully even if their credit isn't perfect. If you're concerned, we can discuss whether there are steps that might improve your options before you apply.
Can I refinance my current mortgage
Yes, refinancing can make sense if your situation has changed or market conditions have shifted. Refinancing can help you lower your monthly payment, shorten your loan term, switch from adjustable to fixed rates, or tap into your home's equity. We review your current loan and financial situation to see if refinancing would benefit you. It's worth having a conversation if you're wondering whether it makes sense for you.
Families Who Found Their Program
-
[Testimonial text]
[Client name] [City, State] -
[Testimonial text]
[Client name] [City, State] -
[Testimonial text]
[Client name] [City, State]