Dear Future Homeowner,

My name is Michael Baker and I want to thank you for taking the time to visit my website. I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current California home loan. I am a California mortgage consultant, serving all of California, and the surrounding communities.

California Home Loans

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking for California home loans, you will find that this site is a complete resource full of insider secrets that will allow you to choose the California mortgage program best suited to your financial needs.

California Mortgages

I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the California home loan you need for the home you want.

California Real Estate

Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me in my office at 888-836-6050. I am here to help you with all your California home loan needs.

Got a Quick Real Estate or Mortgage Question?

Click the "Ask A Question" button below to send us a message by email or feel free to call my office at 888-836-6050.

California Refinance

Before you leave, make sure you review the California Home Loan Buying Resources, Insider Reports and California Mortgage Calculators. All are designed to help guide you through the home buying process so you avoid making costly mistakes.

California Real Estate Reports:

Below, I have included an example of one of our FREE reports that can help you understand credit scores:

To have the best chance of improving your credit score you will need to have a good understanding of how it is calculated as that will help you to decide on the actions you need to take.

A credit score is a numerical calculation based on a number of factors that helps California mortgage lenders decide whether you are a risk to lend money to for your California home loan.

The numbers generally range from 300 to 850 and allow lenders to see how well you are at paying off your debts.

The higher this number is the more likely you are to get credit for your mortgage loan and you will also usually get it at lower interest rates because of the fact that you will be regarded as a lower risk for repayment.

If your score falls below 600 you will probably have trouble getting credit for California real estate and if you do you will be expected to pay higher mortgage rates due to the risk involved.

Scores over 720 are regarded as excellent and you can expect to get good California loan rates.

This is just a guideline as some mortgage lenders place more importance on credit scores than others and while you might have difficulty getting credit with one lending institution that is not to say you will have difficulty with all of them.

Often you can discuss your situation with the California lender even when you have a low score and still get them to finance you at reasonable rates.

Sometimes they will look at your whole credit history and take that into account rather than just the current poor score.

Your credit score comes from the calculations that are determined by the credit bureaus and are based on mathematical data that is arrived at from your credit report information that is supplied to the bureaus from people who have lent you money and from people you owe payment of bills to.

Whichever California mortgage broker you decide to work with, you should be able to receive a copy of your credit report from them to review and check for any errors.

You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.

If you have had credit problems, be prepared to discuss them honestly with your California mortgage professional and come to your application meeting with any necessary written explanations.

Responsible California mortgage professionals know there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties.

They should be there to help you get your home loan. 

For a free no-obligation consultation regarding your credit or any other mortgage or real estate questions, please don't hesitate to call me at 888-836-6050.

We service clients statewide, including every city and town in Arizona. 
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