Everyone can relate to the simple pleasure of owning your home—for shelter, security, memories and peace of mind. Most everyone knows that it's a good financial decision to own your home too. But how good?

The median price of a California home has risen by an average of 8.9% every year for the last 40 years and longer. When you consider that the average home buyer borrows 80% of the purchase price, the result is to magnify the investment return on your down payment several times more than rate of your home's annual appreciation. Over time, the effect of financial leverage and increasing home prices combine to grow your original investment into wealth.

Financing real estate is much more than a way to close the gap between what you want and what you can afford to pay in cash. Borrowing to finance an appreciating asset like real estate is smart financial management.

Real estate lending is more flexible today than ever. Yes, interest rates are still historically low and traditional mortgage products are still popular. But in addition, many more purchase loans are possible because global money markets and innovative lenders have combined to create opportunity for you.

For example:

• Ultra-low fixed payment options to maximize your buying power
• Dramatically reduced or eliminated need for documentation of income, assets and employment in many cases
• Interest-only payment options on all loan types to increase your cash flow, diversify your assets and build your wealth
• Highly competitive and flexible terms for people with troubled credit or no credit history
• 100% financing for people with limited cash funds or who simply choose to keep their capital invested elsewhere

Anticipating your needs is especially important in a purchase transaction. We want you to be the most competitive buyer you can possibility be. That requires close coordination with your realtor to get you ready before you make an offer. Please take a moment and review our “how to” topics on getting mortgage ready and how to get your loan before you find a home.

The sooner you to talk to us the more we can help you to maximize your resources and make your home buying process as smooth as possible.

Please feel free to contact us anytime, and ideally, well in advance of a proposed purchase. We’ll review your plans, explore the possibilities and provide you with a written proposal. We look forward to speaking with you!

Here are some customer stories that help to illustrate today’s purchase lending flexibility in action:

›› Customer Story: Young Couple buys the home they really wanted



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