Released on = May 28, 2006, 6:38 pm

Press Release Author = David Domm

Industry = Financial

Press Release Summary = California Mortgage Loans and California Refinance loans are
based on different criteria and rates are based on different factors such as credit
score, income, and job history. A California refinance borrower can get the best
rates available if all of these factors are favorable with a full doc loan.

Press Release Body = California Mortgage Loans California Refinance loans are based
on different criteria and rates are based on different factors such as credit score,
income, and job history. A borrower can get the best rates available if all of
these factors are favorable with a full doc loan.

If you are considering a California refinance loan please contact us at
1-818-264-8989, email express@aboutyourhomeloan.com, or visit
http://www.aboutyourhomeloan.com

We offer certain loans like 1% Pay Option Arm Loans with No Points, Low Closing
Costs, and No Hassle Processing. We work with state of the art software and
applications and have many different lenders that allow us to offer you no point
loans, interest only loans, stated income loans, and loans with no junk fees. We
will insure that your mortgage refinance or purchase loan is the best fit for your
situation, all things considered.

If you plan on keeping your loan or being in your home for a while, it may be better
for you to pay points to have a lower rate (yes, it\'s true) than to go with a no
point loan which results in a higher rate. We use total cost analysis software to
help determine what\'s best for you and what the total cost of your loan will be
over time, not just the initial cost of your loan. You may decide that a pay option
arm loan may be the best fit for you with no points, or an interest only loan or 30
year fixed loan may be the best fit.


There are other programs available for California borrowers that have good credit
but maybe their income is not easily verifiable, like someone on commission or a
seasonable job in some cases. A stated income loan or no doc loan may be the best
fit in these cases, but the rate will be higher.

The truth is that the interest rate is not always the most important factor of your
loan. The total cost of your loan over time is generally the most important factor
when choosing the best fit for a purchase loan or refinance loan.

When you begin your search for a california home loan, california refinance loan, or
california mortgage loan, please keep us in mind. We specialize in helping our
refinance clients into the best fit based on their mortgage situation, not just the
interest rate on their California home loan.



Web Site = http://www.AboutYourHomeLoan.com

Contact Details = Phone 1-818-264-8989
Fax 1-484-906-1649
Email - express@aboutyourhomeloan.com