The average stay in one home across the United States is about seven years. That means that thousands of Californians are considering home mortgage loans every day. At Park Place Funding, we have the staff to handle a heavy traffic load. Our professional loan officers and realtors have the expertise to make your hunt for home financing a pleasant experience.

The most important step in finding and financing a home is to determine how much you can actually afford. Some online applications give an amount that you should be able to afford without looking at your entire financial picture. At Park Place Funding, we are more than just loan officers. We are also qualified financial advisors.

Budgeting for California Home Mortgage Loans
We look at your income-to-debt ratio very carefully. We also look at the amount of extra money you require in order to live comfortably. This includes allowance for personal travel, hobbies, and other miscellaneous expenses that are not monthly. If these are not considered, you will stress out financially after only a few months in your dream home.

Lending institutions may qualify you to spend a lot more on a home than what you can comfortably live with. By having our loan officers look at your needs and wants, you will have a much better take on what is appropriate for you to spend on a home. To find and finance your dream home, give us a call at 949-540-2300.