PHONE: 818-465-9906
WE MAKE FINANCING EASY!
Whether you are looking to Purchase or Refinance, RBS Mortgage has you covered.
Mortgage Options
We are your dedicated home loan professionals. Whether you’re ready to buy a home, refinance, or cash out we are here to help guide you through the process.We offer smart loan options to help you achieve your goals while providing service beyond expectations.
FHA Loans
- Minimum credit score:
- 550 AUS approved,
- 580 manual
- Non-Credit Qualifying Streamline refinances allowed
- Gift funds allowed for down payment and closing costs
- Cash Out 80% LTV
Conventional Loan
- 620 min score
- Fannie Mae
- Freddie Mac
- Standard and High Balance
- HomeReady
- HomePossible
Cash Out Refinance
There are options for tapping into your home’s equity, like a cash-out refinance or a home equity line of credit to help you.
Non QM Program
Our NON-QM line up is truly a work of art and we believe it offers everything needed in the current NON-QM space and then some.
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& Get Pre-Approved with
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Find out how much home you can afford by getting pre-approved for your next home loan now.
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Refinance Options
This free calculator crunches the numbers for you. Find out exactly how much money you can save by refinancing.
FREQUENTLY ASKED QUESTIONS
Most frequent questions and answers
How will you help me determine my long and short term financial goals and assist me in determining the "right" loan program and financing structure I should use?
We will analyze your current financial scope, figure out what your trying to accomplish now and in the future and then help you by setting up a plan accordingly. Questions we often ask are:
1) How long will you live in the area?
2) How long will you keep the property?
3) Are you planning on doing any remodeling or adding on to the property in the future?
4) When do you plan on retiring?
5) Are you after cash flow or paying off the loan as quickly as possible?
6) Flipping or using as a cash flow rental income property?
Once we have your answers, we will advise on what loan program is best for you and what loan structure will meet your long and short term financial goals. This is done at the pre-approval appointment and reviewed again once in contract or when we lock your loan.
What methods does RBS use to lock at the "right time" and what happens if rates drop?
At RBS, we use many online interactive subscription programs to track rates based on bond market activity, economic report activity and market trends. This provides our clients with the power to lock at the “right” time vs the wrong time when rates are worse. In addition, if interest rates drop, we have strong relationships to renegotiate the rate with the lender at a lower rate or pull the loan from the lender and go with another lender that is offering a more favorable rate. Having access to over 40 lenders provides a value proposition that other lenders and lenders just can’t provide.
How competitive are your rates?
As a mortgage originator, we have over 40 different relationships with direct lenders, portfolio lenders, private lenders and mortgage banks; ensuring our clients have access to the best loan programs and lowest rates. As a result, you will receive the most competitive interest rates and access to every loan program available.
How fast can you process and close my loan?
Very quickly. Most loan officers work by themselves to close their loans. Some may even have an assistant but regardless usually take a long time to provide their clients with a preapproval, let alone even close on time per the ratified purchase contract.
Are you established?
RBS and its agents have been providing mortgage financing solutions to consumers and the Real Estate community for nearly 2 decades. RBS has been providing the same services since the early 2000’s and is considered one of the top mortgage planner’s in the LA area for loans based on strong relationships with Realtors, past clients and lenders.
What are your services?
RBS provides financing services that include the following:
- Over 20 Years of Experience in Residential and Commercial Financing with Access to over 45 Lenders resulting in the Lowest Rates, Lowest Fees and Timely Service.
- Expert in Reverse Mortgages and Jumbo Reverse Mortgages.
- Access to Land, Construction and Commercial Financing & Hard Money Lending
- Access to All First Time Buyer Programs including FHA, VA and City Programs.
Do you provide personalized service?
RBS brings well over 20+ years of experience to the mortgage financing transaction, offering clients unsurpassed exemplary service, competitive rates and “out of the box” thinking. His dedication and hard work yield customized mortgage solutions quickly and efficiently. RBS mortgage planning services start with a detailed pre-qualification to determine your current needs and long term goals and loan options that apply to your situation, whether purchasing or refinancing.
Can you provide me testimonials from clients that have used your services in recent past?
You bet, just ask and we will provide
CONTACT ME
Please submit the form below and a RBS representative will contact you.
CORP. DRE # 02003436
NMLS 1494119
PHONE
818.465.9962
TOLL FREE
1 855.373.5363
eFAX
818.301.7078
ADDRESS
7100 Hayvenhurst Avenue
Penthouse B
Lake Balboa, CA 91406
USA