Two questions, one phone call.
Whether you are ninety days out or already in escrow, the first conversation is the same: what are you trying to buy, and what do your income and credit actually look like. Fifteen minutes tells us both whether there is a loan here.
Direct
- Phone(661) 537-3179
- Emailjeff@hughesmortgage.com
- Based in Santa Clarita, California
- Serving Santa Clarita Valley and California statewide
What to have ready
Nothing, for the first call. If you want the conversation to be more useful than general, having a rough sense of the following helps:
- What you are trying to buy, and roughly where
- How you are paid: W2, self employed, commission, or a mix
- Roughly what you have available for a down payment
- Any credit events in the last few years you already know about
What happens next
If we are early, you get a pre-qualification: an honest estimate based on what you have told me, with no credit pull. If you are close to writing offers, we do the real thing, which means documentation, a credit pull, and an automated underwriting finding, so that the letter you hand a listing agent actually means something.
A note on rates
You will notice there are no rates on this site. That is deliberate. A rate quoted without knowing your credit, your loan to value, your property type, your occupancy, and your loan amount is a marketing number, not a real one. Call me and I will price your actual scenario against several wholesale lenders, and you can compare that against anything else you are looking at.
Hughes Mortgage, LLC is a mortgage broker. Contacting me does not create a loan application and is not a commitment to lend. Please do not send Social Security numbers, account numbers, or other sensitive personal information by email. Once we speak I will send you a secure link for anything sensitive.