Home Loans & Refinancing - The Safe Way
Already found your dream home? Great, you're done with the hard part! Now all that's left is to finance it.
Whether you want a lower rate or to pull equity from your home, we got you covered.
SafeLending is a mortgage company founded in Huntington Beach, CA but serves all of Orange County, Los Angeles County, and San Fernando Valley County.
The founder, Safe Habashi, has been in the mortgage business for nearly 25 years. His extensive experience allows him to work creatively with every client and every situation. We pride ourselves as being one of the quickest companies to close a loan, offer competitive rates, and potentially save you thousands.
Our logo serves as a reminder of our core fundamentals: honesty, integrity, and dillegency - it is the key to a long lasting relationship we hope to share and sustain. We treat every single client, no matter the circumstances as if they're family.
Frequently Asked Questions
Does the lowest rate mean the cheapest loan?
What's the difference between fixed rate and adjustable rate?
What are closing costs?
What's the lowest down payment I can use to get a loan?
Can I get a loan with decent to bad credit?
What are the benefits of refinancing?
No. The difference in interest rate often means a change in payment of about $15-30 a month. Banks that offer the lowest rate often times add on additional fees, such as _____, that can cost you an additional $3,000, upfront.
On a fixed rate loan, the interest rate stays the same for the entire life of the loan. On an adjustable-rate mortgage (ARM), the interest rate is locked in only for a certain period of time, afterwhich it can go up or down, depending on the market value.
All home owners must pay a closing fee, which is generally between 2-5% of the purchase price. This fee includes items such as title insurance fees, attorney fees, appraisal fee, recording and underwriting fees, pre-paid interest fees, etc.
There are several different loan programs that apply to different personal and financial situations. The downpayment can range from 0-20%.
Yes. Bad credit does not mean you can't be a home owner. You might pay slightly more in fees and a higher interest rate, but as long as the credit score isn't too low, there will be a lender out there that's willing to fund your loan.
When you purchase your home, you finance it. Refinancing it is going through that process again in an effort to get reduce the monthly payments by reducing the interest rate, to take cash out of your home, or change mortgage companies.