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email: RETraders@Elists.com
phone: 760.945.7909
fax: 760.945.4283
 
 
We invite you to contact us with any of your real estate needs and questions, as we are here to serve you, the client!  We look forward to hearing from you soon!
 
 
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Free Information To Help You Buy, Sell, Evaluate Real Estate

Quickly Prequalify For A Great Loan

If  you live in California, Arizona or Colorado, and need a new loan or want to refinance, there are some great loan programs available to you. Click on the form links, below, or email us with your fax number to receive the following forms via fax to do a quick, "no obligation" loan prequalification. Find out how much you are prequalified to borrow, very quickly.

  • Our lender provides revolutionary technology & know-how that dramatically reduces the length of the loan process.  
  • InHouse prequalification eliminates "false starts"  
  • Automated underwriting cuts approval time down tremendously. Find out immediately what is your loan status. 

Click on the following links, sign and fill out the loan prequalification forms and fax them to us at: 760.945.4283, or mail them to us at:

RETrader.com

Loan Prequalification Forms

475 College Blvd, #6290

Oceanside, CA 92057

We will quickly process the forms and have a representative contact you with information regarding the best loan programs available for your particular situation. 

All About Loans & Mortgages

This page offers many tools and lots of mortgage information for you to use before you attempt to get a loan or start talking to a mortgage rep. Spend some time reviewing what is available to you. Become a more informed morgage shopper and to save a large amount of money over your loan period.

  • Prequalify and find out quickly what great loan programs are available should you buy a home or refinance the one you have. 

  • All types of loan calculators to determine just about everything regarding borrowing money.

  • Below, are many different types of low-cost loan and down payment programs you may qualify for. Spend the time reviewing the information at the links, below - it may pay off in the short run.
     
  • Credit, loan, mortgage information and reports
   


PreQualify: How Much Can You Afford?


Let us help you find out what you can afford!

Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To e-mail yourself a copy of your results, click the Receive this Detailed Analysis link.
 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $
Annual Insurance:  $
0.43%of Cost
Annual Property Tax:  $
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
        
Optional
Gross Debt Service Ratio (GDS): 
Total Debt Service Ratio (TDS): 
Condos Fees:  $

Results 		  Receive this Detailed Analysis

Mortgage   Qualification   Affordability   Rent vs Buy    

Your Monthly Payments
 
Loan Amount:    
Loan Insurance ( %):
Total Loan(Mortgage) Amount:
 
Principal & Interest:    
Homeowners Insurance:    
Property Taxes:    
Condo Fees:    
Monthly Loan Insurance (%):    
Total Monthly Payment:    
 



Calculators A-Z:

Calculate Your Costs to Own A Home

Is It Better For You To Rent or Buy: Calculator

Rent Versus Buy: Determine whether it is a better financial decision to rent or to own a home.

Credit Grading Tool: Enter credit information to get an idea of where you stand regarding your credit standing.

How Much Home Can I Afford?

What Monthly Payment in Needed for a House with A Specific Sales Price?

How Much House Can You Afford With A Specific Monthly Payment?

House Affordability: This calculator will calculate the income needed to qualify for a loan based on the monthly housing expense you can afford and the other monthly obligations you have.

Income Calculator: Determine the income required to qualify for the specific loan using the specified qualification ratios.
 
Upfront Cost Calculator: How much does this loan Really Cost?
 
Loan Amorization Table: This calculator calculates the monthly payment of a specific loan and breaks down the amount of principal and interest paid over the term of the loan.
 
Loan Comparison: This unique calculator allows you to compare up to three different loan programs, both fixed rate and ARM(Adjustable Rate Mortgages).
 
Balloon Payments Calculator: Short period of time, 5/25 and 7/23 Convertible, Two-Step, and Balloon mortgages are getting more popular (lower rates than 30-year mortgages) with a fixed payment schedule.
 
Early Loan Payoff Calculator: This calculator will help you determine the amount of monthly payment in excess of your regular monthly payment necessary for an early payoff of your loan.
 
Refinance Calculator: This calculator will help you decide whether it will pay to refinance.
 
Types of Loans Available

Loan Programs

15, 30, 40 Year Loans

Assumable Loans

Seller Financing

Alternative Loans

Second Mortgage Information

What Makes Low Down Payment Loans Possible?

FHA Loans

FHA Information

FHA Credit Guidelines: History versus Income

FHA Loans

State FHA Loan Limits

FHA Access Loan Program - California: Check For Same Program in Other States

VA Loans

VA Loan Information

Va Home Loans

US Low-Cost Loan Programs / Down Payment Assistance / Grants

Low-Cost Loan Sources

Easy-Qualifier Loans

Fixer-Upper Loans

USDA: Grants For Rural Housing (US)

Hispanic: Housing Assistance Program (US)

San Diego County / CA Area Low-Cost Loan Programs / Down Payment Assistance - Check Individual States For Similar Programs

California High Cost Area Assistance Program

California Housing Finance Agency: Qualifying Guidelines

California Home Buying Resources

Housing and Community Development’s Loans and Grants (California)

Extra Credit Teacher’s Home Purchase Assistance

San Diego Assoc. Of Realtors:Homebuyer Clinics

San Diego Assoc. Of Realtors: First Time Buyer Resources

City of San Diego: Housing Assistance Programs

City of San Diego: CalHome First  Time Homebuyer Program

Affordable Housing Programs: San Diego

San Diego Housing Commission First Time Home Buyer Programs

San Diego Housing Assistance

County of San Diego: Housing Assistance Programs

County of San Diego: Home Purchasing Assistance

County of San Diego: DownPayment / Closing Cost Assistance

Escondido: Home Buyer Assistance Program

City of Vista: Housing Assistance Programs

Oceanside: Home Buyer Assistance Program

City of Carlsbad: Housing Assistance Programs

The San Diego Regional Mortgage Credit Certification Program: Carlsbad

City of Encinitas: Housing Assistance Programs

San Diego Mortgage Credit Certificate Program (MCC): Carlsbad, Chula Vista, El Cajon, Encinitas, Escondido, La Mesa, National City, Oceanside, Poway, San Marcos, Santee, Solana Beach, Vista

Misc. Loan Programs

The House Act: Policeman, Firefighters, Teachers (bill not yet passed)

USE Credit Union: Easy To Buy Program

GMAC Mortgage "HomeStretch Plan"

HUD Information

HUD Programs

HUD Grants

HUD All States: Local Area Homebuying Programs

HUD Housing Vouchers


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MyFico.com: See the Credit Score that Lenders See...Your FICO Score

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Your FICO Score and You:
Credit Scoring in the Mortgage Industry

Free Credit Report

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FICO Credit Scores Explained

Effect On Credit: Bankruptcies & Foreclosures

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Arranging Your Mortgage

When Should You Pay Points On A Loan?

Lender Comparison Worksheet

Getting A Mortgage Checklist

Loan Sources: Who Should You Pick?

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Loan Qualifying: Mortgage Guidelines

Loan Qualifying: Consumer Assistance

Easy-Qualifier Loans - Q & A

Down Payment Information

Interest Rates

Interest Rate Information

Loan Rate Lock-Ins

Appraisal Information

What is PMI?

Get Rid Of Private Mortgage Insurance

Refinance Information

Commercial Mortgages

Information Sources

Contact Sources

GinnieMae: Homeownership 101

Fannie Mae: Home Buying Guides
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