Whether it makes more sense to refinance and take cash out or borrow using a home equity loan depends on your financial goals, the interest rates on the new loans, the interest rate on your existing mortgage, your marginal income tax rate and your ability to use the mortgage interest deduction on your income taxes.

We offer a variety of home loan programs including our best rate fixed loans, adjustable rate loans, home equity loans, and our loans for borrowers with poor credit. Additionally, we our a direct lender offering wholesale rates to the public.

 

Rob Schmidt

Rob is here to assist you with your financing needs.  Beginning his financing career in 1985 in the Automotive business and moving forward into Residential Mortgages and Refinancing. His over 17 years as a finance professional insures you of easy, straight forward   Loan assistance.  You’ve got questions, Rob has answers.

Rob’s Promise to you .  It is my policy to provide pre-qualifications free of charge to all people serious about purchasing their new homes or vehicles, or desiring to save thousands of dollars through refinancing or debt consolidation. Furthermore, I believe that my clients are entitled to prompt, courteous, professional service.  If a refinance transaction is not in the client's best interest I will tell that client so.  I build my business primarily on the referrals of my clients, so I take customer service very seriously. Thank you for the opportunity to assist you in meeting your goals

 

You can reach Rob through the following website  

http://www.810Loan.com  or by calling  408-810-5626  


 

Adjustable Rate Mortgage (ARM) - A mortgage with and interest rate that fluctuates according to the movements of a predetermined index. There are several types of ARM's, some change quicker than others, but all have a ceiling cap.


www.810loan.com

Low mortgage rates are like top-rated sitcom "Friends-" You don't care what is takes; you just want them to stay around one more season.

It just makes sense for the borrower to determine what house price they can afford before spending time looking for a new home

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Coming up with a down payment. Before buying a home, you usually have to come up with a down payment. That means tying up thousands of dollars when you purchase your home. 

 

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Second Mortgages, Debt Consolidation Loans, Home Loans, 125% Home Equity Loans, Home Improvement Loans, Home Equity Credit Line, Home Equity Loan Rates

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