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Name
Jonathan Schreurs
Company
Advantage One Home Loans
E-mail
Contact Advantage One Home Loans
Website
http://www.aohl.biz
Office Phone
(209) 984-8800
Cell Phone
(209) 603-5172
Fax
(209) 984-8808
Address
13299 Mono Way, Sonora, CA, 95370
Description
Local Mortgage Broker with 15+ years experience with all types of income, credit ,and unique property expertice. Contact me anytime for your loan needs. Servicing Sonora, Jamestown, Twain Harte, etc

About Us:

Advantage One Home Loans has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders and individual homebuyers throughout California.

We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan - with the best rates, terms and costs - to meet our clients' unique needs. But that's just the beginning of our service. Throughout the lending process we provide regular loan updates and progress reports so clients always know the status of their loan. We also offer a special Mortgage Manager service for those considering refinancing their mortgage.

And, now it's our pleasure to offer all of our exceptional mortgage services online. Through Advantage One Home Loans you not only have access to the best loans available in the marketplace, but you can review loan alternatives, and even apply for your loan, at your convenience, online - 24 hours a day.

 

Thank you for visiting our web site. We look forward to putting our mortgage service to work for you!

Buying a home

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.
 
In General....
 
A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.
 
Count On Your Real Estate Agent To:
  1. Preview available homes to weed out those that are overpriced, or undesirable in some other way.
  2. Present the homes that suit your needs as you've defined them.
  3. Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
  4. Negotiate the best deal for you. With a Pre-Qualification letter from Advantage One Home Loans in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else's -- even if your offer is lower!
 
Count On Your Mortgage Broker and Loan Officer To:
  1. Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
  2. Keep you informed of your loan status throughout the entire process.
  3. Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and Advantage One Home Loans; only deal points and progress are shared).
  4. Get the appropriate loan for you at the best rates and fees. This will save you significant money "up front" and throughout the years to come.
 
Count On Yourself To:
  1. Keep your Real Estate Agent informed of any questions or concerns as they develop.
  2. Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
  3. Enjoy purchasing your home, but do remain objective throughout -- to make the business decisions that are best for you.
  4. Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.

The loan process

Once you select Advantage One Home Loans to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.
 
Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.
 
Here's an overview of the loan-application process.
 
 
STEP ONE -- Determine how much you can borrow
 
To find out how much home you can buy, even before you begin looking, or to find out how much money you can borrow by refinancing. All you need to do is contatc me and a answer a few simple questions, I'll do a free credit check and get back to you shortly.

 

 

 

STEP TWO -- The loan application
 
To complete the application. We just schedule an appointment time convienent for you. I will come to your home, you may visit my office, or I can send you the forms. Either way my goal is to make the process as comfortable for you as possible. You'll need to supply documentation about employment, assets, etc.
 
 
 
STEP THREE -- The Underwriting Process
 
Ww will open an escrow and order an appraisal on your behalf. Once all the paperwork is recieved it is loaded into the computer and the approval is just minutes away. Before you know with a matter of weeks it's all done.
 
 
STEP FOUR -- Your Loan is Approved and Funded
 
We will coordinate with the escrow team and you'll sign the final papers at their office.
 
Simple, Straightforward, Cost Effective, and FAST!