To locate specific details about the various licensees of the California Real Estate and Financial Service Departments, click here. 

 

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Doug Jones, MLO
Mortgage Magic
1625 The Alameda, Suite 900
San Jose, CA 95126
PH: 408-975-2400 X110
 
Doug teaches courses for mortgage brokers to become Mortgage Loan Officers, to receive the highly coveted MLO designation.  This designation must be fulfilled by mortgage brokers by Dec. 2010.  This is the most stringent State and Federal requirement available.  Mortgage broker must be in good standing with the Department of Real Estate, also be qualified and allowed to practice this type of business in California.  Doug is an affiliate member of the Santa Clara County Bar Association, and the Calif Assoc of CPA's.   

 

 

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 Art Bando
Mobile Home Finance
408-296-6469 Phone
408-249-7806 Fax


Email mobilehomefinance@comcast.net

We have been doing Mobile / Manufactured homes

loans for 33 years.

Call for an application.

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Charity Shehtanian

Broker Associate/Loan Officer

Cal Coast Financial Corp

DRE#01314694 NMLS# 233884

187 S. J Street

Livermore, CA 94550

Tel: (925) 373-3222

calcoastcharity@gmail.com

 

Charity specializes in conventional, FHA, VA and 203K loans for residential properties. Charity has been a loan officer for 10 years. She takes the time to discuss the various loan options with her clients and to ask the right questions to help her clients pick the right mortgage product for them.

 

 

Mortgage Borrowers' Rights

Information by State
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ATTENTION BORROWER!

This may be the largest and most important loan you get during your lifetime. You should be aware of certain rights before you enter into any loan agreement.

    • You have the RIGHT to shop for the best loan for you and compare the charges of different mortgage brokers and lenders.

    • You have the RIGHT to be informed about the total cost of your loan including the interest rate, points and other fees.

    • You have the RIGHT to ask for a Good Faith Estimate of all loan and settlement charges before you agree to the loan and pay any fees.

    • You have the RIGHT to know what fees are not refundable if you decide to cancel the loan agreement.

    • You have the RIGHT to ask your mortgage broker to explain exactly what the mortgage broker will do for you.

    • You have the RIGHT to know how much the mortgage broker is getting paid by you and the lender for your loan.

    • You have the RIGHT to ask questions about charges and loan terms that you do not understand.

    • You have the RIGHT to a credit decision that is not based on your race, color, religion, national origin, sex, marital status, age, or whether any income is from public assistance.

    • You have the RIGHT to know the reason if your loan was turned down.

    • You have the RIGHT to ask for the HUD settlement costs booklet "Buying Your Home."

    For "Buying Your Home" and other helpful information about RESPA, visit our home page. For other questions, call (800) 569-4287.

    TOOLS:

    Use the mortgage calculators below to assist you in making some decisions around financing your new home.

    Mortgage Qualification Calculator

    This calculator will help you determine how much money you qualify to borrow. The results are informal. You will be subject to a credit approval from your financial institution taking into consideration existing debt load, amount of down payment, income and other variables.

    Mortgage Payment Calculator & Amortization Table

    This calculator will help you determine what your mortgage payments will be based on purchase price, interest rate and mortgage term, as well as other factors. The amortization table shows what the interest and principal payments will be over the term of the mortgage.