Make Life Better With Real Estate Financing
Contact Ken Coulter at 1(800) 515- LOAN (5626)
Full Service Residential Mortgage Broker Solutions
Refinance
Want to lower your monthly payment, shorten the term of your loan, cancel your monthly mortgage insurance payment or lower your current interest rate?
Cash Out
Want to consolidate your high interest rate revolving credit card debt or pay off installment loans to lower your over all monthly payments? Want to pull out cash to make some home improvements? Need to finance educational expenes?
Purchase
Get Pre-Qualified/Approved. Whether a first time home buyer, or seasoned home owner that maybe relocating, up-grading or down sizing, or buying a second home, we are ready to help provide a smooth transaction.
Investment
Purchase or refinance non-owner occupied 1- 4 Unit property transactions. Income property loans. Debt service coverage ratio (DSCR) requirements.
Construction
Single Family property loans.
Conventional and Jumbo Home Loan Programs
Our Process is fast, simple and easy.
Fixed Rate and Adjustable Rate Loans Offered in California
Let us use our 25 years of mortgage loan experience to evaluate your request, then locate and structure the appropriate loan program to meet your objectives.
Mortgage Loan Sources
We obtain our mortgage loan sources from national secondary mortgage market, regional investors and local lenders to provide our customers with a diversified loan product mix and only select from the most competive and unique loan prorams available in the market place.
Newport Center Mortgage
Kenneth Jay Coulter is a licenced Broker in the State of California by the California Department of Real Estate, License number 01156838 and The National Mortgage License System (NMLS) ID #309733 sponsored by Integrity Mortgage Group- Company NMLS ID # 237264 and the California Department of Real Estate # 1301401. Kenneth Jay Coulter has a DBA for Newport Center Mortgage.
Home Loan Evaluation Made Simple
Each customer's specific loan request is evaluated based on the individual loan characteristics. Weakness in one area may be overcome with other compensating factors in another area. Loan characteristics singularly or together may impact the availability of a loan program eligibility. The Consumer Financial Protection Bureau's ability-to-repay (ATR) and qualified mortgage requirements(QM) regulations may impact the loan program documentation eligibility requirements. Information and pricing are subject to change at any time and without notice. Rates and fees are subject to change until the loan is locked in with the lender/investor.
This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company/lender underwriting guidelines.
Fixed Rate Loans
Conforming/Non-Conforming:
30 year fixed rate
15 year fixed rate
20 year fixed rate
10 year fixed rate
adjustable rate loans
Conforming/ Non-Conforming:
1 year adjustable rate
3/1 adjustable rate
5/1 adjustable rate
7/1 adjustable rare
10/1 adjustable rate
Non-Conforming adjustables
Intermediate Adjustables
Interest Only Initial Periods
40 Year Terms
