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We are a local Orange County Mortgage Broker offering purchase and refinance home loans up to 4 Unit, multi-unit property, and condominiums. We are dedicated to making sure future homeowners make educated decisions about buying a home with the most convenient home loan option. We are here for you to help manage debt and cultivate financial growth.

“LIFE IS TO REALIZE THAT AT YOUR JOB, YOU WILL FIND HAPPINESS IN YOUR WORK. WORK IS YOUR PASSION AND CURIOSITY IN THE PROJECT… AND LEARNING THAT YOUR GOAL ISN’T TO START SOMETHING, IT IS TO FINISH IT.”

- WES MOORE

@maresmortgage

Are you an empty nester? Now could be the time to downsize. Ask us today about refinancing options! • • • • #maresmortgage #homebuying #homeownership #homebuyers #sanjuancapistranobrokers #mortgagebrokers #brokersarebetter #associationofindependentmortgageexperts
It’s a great feeling when you know you have a team of experts working for you on your biggest purchase!
Joint Mortgage Vs. Joint Ownership: What’s the Difference? Just to get it out of the way, you need to understand that the terms “joint ownership” and “joint mortgage” aren’t the same. For starters, you can get more funding for a home mortgage through a joint mortgage than if you applied on your own. Now, suppose you’ve done some research online, and you’re trying to learn how to purchase a property jointly. In that case, you may have already noticed terms like “tenants in common” or maybe “joint tenancy” popping up together. They sound similar, and some might substitute one for the other. However, just because they both terms use the word “joint” in them, it doesn’t mean they’re talking about a joint mortgage. We know that purchasing a property jointly is a critical decision. That’s why we put together this in-depth guide to clarify what these terms mean.
What cost is involved in buying a home? There’s nothing as disappointing as putting aside money for a new home only to find out later, that there are additional hidden charges that one needs to pay for. Unfortunately, this happens a lot after one has settled on a property and is ready to commit to a payment plan. In part, it may be the individual’s lack of attention to detail but on the other hand, it may be the fine print that only industry experts like mortgage lenders can decode for their client. Finding out exactly what all the cost of securing the home will be is an important question that a lender should be able to provide. To avoid such inconveniences, an experienced broker will be able to provide a fairly accurate assessment of the overall expenditure to expect or put aside for a given home.
Questions to Ask a Mortgage Lender November 22nd, 2019 by Cubie & Christian Hernandez Owning a new home is a huge milestone and one of the many individual life goals that we strive to achieve. To achieve this dream, one has to figure out a reasonable and achievable plan to make owning a home a reality. After all, only a small percentage of people can afford to pay for a new home in lump sum given property prices nowadays. In America, that’s about one percent of the population. The other 99 percent have to look for alternatives ways to fund this goal. Going about the process of acquiring the funds to buy a new home may seem daunting. But that’s only because most people don’t know how to navigate the treacherous path of funding a house purchase. Heavily reducing the closing costs reduces what you need to save. With the help of a mortgage broker, the home buying experience can be a memorable one. This is why a mortgage broker should be among the first stops a potential homeowner makes when looking for funding.
Refinancing to consolidate debt or fund major expenses like a home remodel or college tuition should be evaluated carefully. In one sense, homeowners are just trading one type of debt for another. However, there are some benefits to using a mortgage over other funding sources.
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Refinance Your Mortgage for a Lower Rate The base interest rates fluctuate based on the health of the market. Even if your creditworthiness has not changed since purchasing your home, you may have bought at a time when rates were high and may benefit from a refinance when rates are lower. In addition to market rates, your creditworthiness plays a significant role in the rates you can secure. If your debt-to-income ratio has changed or your credit score has significantly increased, this could add up to big savings on a refinance. Most homeowners who choose to refinance for a lower interest will see a 1-2% drop. Lower interest rates mean that you are paying less for the money you are borrowing. This could mean that your monthly payments go down or that you pay off the loan faster — or better yet, both! Check your rates today with Mares Mortgage. Refinancing may save you more money than you think!
Create An Account Create an account and we will save your progress in case you get distracted and need to come back later. Log In From Anywhere Login securely from your computer or mobile device and access your personal information around the clock. Manage Documentation We may need you to upload some documents, and yes you can take a picture from your phone.
Can I qualify for a loan? When applying for a loan, lenders will evaluate your debt income ratio (DTI) and credit score in order to determine whether you can afford to take on another payment. DTI 28/36 This means that no more than 28% of your total monthly income (before taxes) can go toward housing, and no more than 36% of your monthly income can go toward your total monthly debt (including your mortgage payment).

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