Over 20 Years of Making Homeownership Dreams a Reality!

September 9, 2024Ashley De Young

Today, we celebrate the start of an incredible journey!

With a vision to revolutionize the mortgage industry, we set out over 20 years ago to help families achieve the American dream of homeownership. From those early days to now, we’ve been committed to delivering outstanding service and expert guidance, making dreams come true for countless customers. Our passion drives us forward, and we can’t wait to help even more people find their perfect homes. Here’s to the exciting road ahead and all the amazing milestones still to come!

Make your home-buying journey a reality! reach out to De Young Mortgage at 559-420-7868 today!

Good News for Homebuyers! Why Now is a Good Time to Finance with De Young Mortgage

August 21, 2024Ashley De Young

Good News for Homebuyers! Why Now is a Good Time to Finance with De Young Mortgage

Are you dreaming of owning your own home but unsure where to start? De Young Mortgage is here to help! We’re excited to announce our FREE Homebuyer Financing Workshop, “The Roadmap to Financing Your New Home,” on Saturday, June 29, 2024. This event is designed to provide you with important information and tools to make your homeownership dreams a reality.

Good news for homebuyers and borrowers! As inflation slows and the economy cools off, mortgage rates have been slowly inching down, and analysts are now predicting a 100% likelihood the Fed will cut rates in September.

As a result, mortgage rates have begun to fall in anticipation. Lower rates could mean reduced monthly payments, making the American Dream of homeownership a more achievable goal! Now may be the right time to explore your mortgage options and lock in a great rate to purchase your dream home or refinance. Meet with a De Young Mortgage Loan Officer to learn more about how to:

Pre-qualifying
Purchasing power
Competitive rates & fees

Contact us to get started! Finding the perfect home is only part of building the American Dream. Financing it is the other. With years of experience, De Young Mortgage remains committed to providing affordable homeownership.

Let De Young Mortgage Help YOU!

Since 2012, De Young Mortgage has been helping homeowners in the Madera, Clovis and Fresno area finance the American Dream of homeownership. De Young Mortgage takes pride in being a reliable and reputable mortgage company in the Central Valley, offering a full-range of quality financing options. In addition, De Young Mortgage can offer expertise in lending for a resale purchase of an existing home, refinancing of an existing loan, and financing of new home construction or investment property. Our goal is to make the financing process as simple, convenient and pleasant as possible for all of our clients. To achieve this, we have an experienced staff that are ready to help you.

With over 20 years in the mortgage industry in the Clovis and Fresno area, the De Young Mortgage team will continue to provide vision and direction to carry on the De Young family tradition of innovation and exceptional customer service.

Let De Young Mortgage guide you home! Click here to learn more and to schedule an appointment with a De Young Mortgage Loan Officer.

*This is not an offer for extension of credit or the commitment to lend. All loans must satisfy company underwriting guidelines. Information is subject to change at any time and without notice. Jerry De Young, CA Bureau of Real Estate, Real Estate Broker License # 00524649 NMLS Lic. # 293347. De Young Mortgage, Inc. NMLS #1026010. De Young Mortgage, Inc. CA Bureau of Real Estate Real Estate Broker License #01926671.

De Young Mortgage Is Hosting A FREE Homebuyer Financing Workshop – Saturday, June 29!

June 5, 2024Ashley De Young

Join De Young Mortgage’s Free Homebuyer Financing Workshop: Your Guide to Financing Your New Home!

SEATING IS LIMITED: RSVP HERE and let us help you unlock the door to your new home!

Event Details:

Date: Saturday, June 29, 2024

Time: 10:00 AM – 12:00 PM

Location: De Young Properties Corporate Office, 677 W Palmdon Ave, Suite 208, Fresno, CA 93704

Why Attend?

Free Snacks & Refreshments: Enjoy a delicious morning snacks assortment and refreshments on us!

Prizes: Each attendee will have a chance to win a $15 Gift Card to Axxis Coffee Bar + Eatery at Tesoro Viejo.

Expert Insights: Gain valuable knowledge from our qualified De Young Mortgage Loan Officers.

Personalized Loan Assessment: Receive a free personalized loan assessment and roadmap to homeownership.

Free Pre-Approval Screening: Benefit from a pre-approval screening without impacting your credit score.

Event Topics:

Introduction to Home Ownership: Learn the essentials every homebuyer should know. We’ll cover various loan types including Conventional, FHA, VA, USDA, and NON-QM loans.

Choosing the Right Loan: Discover which loan type suits your needs, whether you’re looking at investment properties or a primary residence. We’ll discuss loan limits, down payment requirements, interest rates, and closing costs.

Qualifying for a Loan: Understand the criteria for loan qualification, including credit scores, co-signers, income requirements, and the cash needed for down payments and closing costs.

Q&A Session: Have your specific questions answered by our expert Loan Officers.

RSVP NOW!

Seating for this free event is limited, so we encourage you to RSVP as soon as possible to secure your spot. This is a unique opportunity to gain the knowledge and confidence you need to navigate the home buying process.

Important Information:

Eligibility: Must be 18 years or older to attend.

Disclaimer: Free pre-approval screening is valid for all attendees and will not negatively impact your credit score. The offer for a free personalized loan assessment is valid for one week from the date of the presentation.

Don’t miss out on this invaluable opportunity to take the first step towards owning your dream home. Join us at De Young Mortgage’s Homebuyer Workshop and start your journey with confidence and clarity.

Meet Tim O’Hare: De Young Mortgage Loan Officer

February 22, 2024Ashley De Young

Meet our newest Mortgage Loan Officer, Tim O’Hare of De Young Mortgage, affiliate of De Young Properties! Tim has an extensive background within the lending and mortgage lending industry for over 35 years.

“I am very excited to be part of the De Young Mortgage team,” says Tim O’Hare, Mortgage Loan Officer. “I truly feel the spirit here that we are all a part of a team that is ready and willing to help our buyers through a great experience and make their journey to homeownership special.”

Tim grew up in a small-town named Porterville and moved to the big city of Fresno to attend college and has been here ever since. He attended school at Fresno State where he graduated with a Business Administration degree with a Management and Marketing option.

Tim started in the lending industry with a consumer finance company specializing in making small personal loans, auto loans and second mortgage loans. He found a love for lending immediately as he found great satisfaction in being able to help people in a tough spot with a personal loan or assistance in their mortgage needs. Later, Tim moved into mortgage lending only to truly love being able to make the dream of homeownership a reality for homebuyers.

“It has been a pleasure to work alongside Tim within De Young Mortgage,” said Brandon De Young, President of De Young Mortgage. “His expertise, enthusiasm, and fresh perspectives will undoubtedly contribute to the success of our customers!”

When Tim is not in the office helping people achieve their goals of homeownership, he’s enjoying his free time playing golf, watching sports, trying new recipes on his Traeger BBQ, walks in the morning or traveling.

The Right Financing For You

Everyone has a general idea of what price range they can afford. However, when you meet with a De Young Mortgage Loan Officer and communicate your financial portfolio, regardless of its size, most people are pleasantly surprised about just how much house they can actually qualify to purchase.

Pre-qualifying
Purchasing power
Competitive rates & fees

Conforming Loan Level Increases to $766,550

February 22, 2024Jasmine Arroyo

Conforming Loan Level Increases to $766,550

Updated – 02/22/24

With an ever-changing real estate market, the Federal Housing Finance Agency has once again increased Fannie Mae and Freddie Mac’s loan limits, by offering conforming loans up to $766,550 for a single-family home in the Central Valley. What does this mean? This new limit means some qualifying borrowers may be able to qualify for conventional pricing with lower interest rates rather than relying on a jumbo mortgage, which typically have more stringent criteria. Bottom line, the increase to the maximum conforming loan amount gives purchasers and refinance borrowers expanded access to mortgage credit at lower rates. In terms of raw dollars, this is the biggest leap in the conforming loan limit history, bumping it by more than $75,000.

Here at De Young Mortgage, we see this as an opportunity to assist more clients with a conventional mortgage at lower interest rate. Let one of our dedicated Loan Officer professionals review your income, savings, liquid assets and debt situation then thoroughly review the various mortgage rates and options available to you.

Ready to get started? Click here to complete the online De Young Mortgage Pre-Qualification form today!

This is not an offer for extension of credit or the commitment to lend. All loans must satisfy company underwriting guidelines. Information is subject to change at any time and without notice. Jerry De Young, CA Bureau of Real Estate, Real Estate Broker License # 00524649 NMLS Lic. # 293347. De Young Mortgage, Inc. NMLS #1026010. De Young Mortgage, Inc. CA Bureau of Real Estate Real Estate Broker License #01926671.

Realtor.com Launches the #MissionZero Campaign to Educate Veterans of VA Home Loans

January 8, 2024Ashley De Young

Though numerous Veterans know about their eligibility for Veterans Affairs (VA) home loan benefits, which aim to facilitate homeownership as a recognition of their service, just 3 in 10 are aware they can use that benefit to buy a home with a zero-down payment, according to a new national survey of veterans and active-duty members.

To help educate service members, an alliance of real estate, media, mortgage, and veteran service organizations are launching the #MissionZero campaign, aims to provide essential information and support to those who are serving or have served our nation, helping them achieve the American Dream of buying a home with 0% down.

“After nearly eight decades of helping veterans and military families buy homes and build generational wealth, the VA loan benefit is more important than ever,” says Nathan Long, CEO of Veterans United. “The #MissionZero campaign helps highlight how VA loans are built to eliminate obstacles and make homeownership more accessible for those who serve. At the same time, they also offer veterans the freedom to choose how and where they invest their savings.”

VA home loans usually provide eligible borrowers with the advantage of zero down payment, greater flexibility in credit terms, and reduced interest rates, simplifying the path to homeownership, particularly for first-time buyers lacking home equity to aid in purchasing a home.

Data on VA loans from Realtor.com shows a greater share of issuance to those with less than perfect credit compared with other loans, making homeownership possible to a wider net of borrowers. In the past year, about 24.8% of home buyers with VA loans fell into the fair credit score category (580-669) compared with 4.7% among conforming loan borrowers.

VA loans also typically have lower mortgage interest rates, which reduces monthly costs. Between October 2022 and September 2023, the average mortgage rate for 30-year fixed-rate VA loans was 6.27%, whereas it was 6.67% for conforming loans.

“VA home loans offer many benefits, especially at times like this when affordability is such a major factor in home purchase decisions. Yet only a small portion of eligible veterans are tapping into the financial benefits they deserve for their service,” says Damian Eales, CEO at Realtor.com. “We owe it to our veterans to ensure they have the information they need to make informed housing decisions. It’s a small way to give back to those who have given so much, and we appreciate our partners for joining us in the cause.” (source: BuilderOnline.com)

VA buyers have up to 100% financing available (some restrictions apply), and up to 6% seller contribution towards closing costs, recurring and non -recurring.

For more details on the #MissionZero campaign, talk to one of our De Young Mortgage Loan Officers today!

Finance Your Dream Home With De Young Mortgage

At De Young Mortgage, we’ll help find you the best rates so you can be on your way to the American dream of homeownership. With years of lending industry knowledge in the Clovis and Fresno area, your De Young Loan Officer will review your income, savings, liquid assets and debt situation then evaluate the various mortgage rates and options available.

Pre-qualifying
Purchasing power
Competitive rates & fees

Start your journey of becoming a homeowner today! For more details, visit DeYoungMortgage.com.

De Young Mortgage Celebrates 10 Years of Making Homeownership a Reality!

March 9, 2023Jasmine Arroyo

De Young Mortgage is excited to celebrate being in business for 10 years! This last decade approached us quickly, and we’ve enjoyed helping families in California finance the American Dream of home ownership. De Young Mortgage, a local Central Valley home mortgage broker, is a one-stop financing resource for all homebuyers and homeowners, which aims to make the home loan process both simple and satisfying.

“We are so excited to reach the 10-year milestone for De Young Mortgage! It means a great deal to us to have helped so many families in the Central Valley not only purchase, but finance, their dream homes,” said Brandon De Young, President of De Young Mortgage. “With a home being the most significant purchase of one’s life, we take this responsibility very seriously. To know so many families have trusted our amazing team of professionals to be their financing source is very humbling.”

De Young Mortgage was created in 2003 with the goal to streamline the process of obtaining a home loan – making the experience simple, convenient and as stress-free as possible. Now, 10 years later, De Young Mortgage is expanding to offer its financing resources to the broader community.

“Our loan officers have over 50 years of combined experience in the real estate and financing industries, providing the expertise and high level of service homebuyers want and need. We continue to offer a tailored experience to ensure each customer receives the perfect financing for their unique needs. We’re grateful for the wonderful feedback we have received from our customers throughout the years for our approach and performance,” continued Brandon.

At De Young Mortgage, its team of dedicated professionals are able to help with resale home loans, loan refinancing, home equity lines of credit or home equity loans and more. With a range of great lender partners, the loan products De Young Mortgage offers cover a wide spectrum of customer financing needs.

“We are very proud that our mortgage team has helped families navigate the process of obtaining a loan to achieve the American Dream of home ownership,” said Jerry De Young, CEO and Founder of De Young Mortgage. “De Young Mortgage has financed over 1,500 loans for families in the last decade, a number we are focused on growing in the future.”

With years of combined experience, mixed with our high level of customer service and a home loan process both simple and satisfying, it comes to no surprise that De Young Mortgage was voted no. 1 as Best Mortgage Company in The Fresno Bee Best of Central California 2022 People’s Choice Awards!

Let De Young Mortgage guide you home! Click here to learn more and to schedule an appointment with a De Young Mortgage Loan Officer.

How De Young Mortgage Can Help You

November 10, 2022Jasmine Arroyo

Since 2012, De Young Mortgage has been helping families finance the American Dream of home ownership.

De Young Mortgage is a one-stop financing resource for all homebuyers and homeowners, and not just those looking to purchase a home from De Young Properties.

Our team of professionals makes the home loan process both simple & seamless, whether you’re a first-time buyer or a homebuying pro.

De Young Mortgage Can Help You With:

Financing the construction of a new home or investment property
Purchasing a resale home
Refinancing an existing loan

Let De Young Mortgage guide you home! Click here to learn more and to schedule an appointment with a De Young Mortgage Loan Officer.

De Young Mortgage Is Honored To Be Voted #1 Mortgage Company

May 23, 2022Jasmine Arroyo

De Young Mortgage is proud and excited to announce that we have been voted as the first-place award recipient for Best Mortgage Company in The Fresno Bee Best of Central California, The People’s Choice Awards! The award is an annual honor given to three businesses per category by the Fresno Bee based on votes from the community.

“We are very proud of the invaluable relationships we have built with our clients to be voted the region’s number one mortgage company,” said Brandon De Young, President of De Young Mortgage.

This is De Young Mortgage’s fourth time being recognized as a People’s Choice Award recipient for Best Mortgage Company.

Let De Young Mortgage Guide You Home

De Young Mortgage is a one-stop financing resource for homebuyers and homeowners. Since 2012, De Young Mortgage has been helping homeowners finance the American Dream of home ownership. De Young Mortgage takes pride in being a reliable and reputable mortgage company, offering a full-range of quality financing options including VA, Conventional, FHA, USDA, as well as other additional loan options, and is ready to use their expertise to find the program best suited to the homebuyers needs.

In addition, De Young Mortgage can offer expertise in lending for a resale purchase of an existing home, refinancing of an existing loan, and financing of new home construction or investment property. Their goal is to make the financing process as simple, convenient and pleasant as possible for all clients.

To learn more about De Young Mortgage, visit www.deyoungmortage.com, complete the Mortgage Application Form and a De Young Mortgage Loan Officer will contact you.

This is not an offer for extension of credit or the commitment to lend. All loans must satisfy lender underwriting guidelines. Information is subject to change at any time and without notice.

HOT 🔥 Real Estate Market + LOW ⬇️ Interest Rates = Time To Find Your De Young Dream Home 🏡

September 8, 2020Ashley De Young

HOT 🔥 Real Estate Market + LOW ⬇️ Interest Rates = Time To Find Your De Young Dream Home 🏡

The Clovis real estate market is HOT and we want to share a special opportunity with you! Take advantage of historically low interest rates, unbeatable features, desirable locations combined with a De Young Move-In Ready home with an interest rate as low as 2.625% with 20% down at 2.837% APR.

Rates for mortgages continue to be historically low. A recent article from The Fresno Bee, stated, “The Federal Reserve announced a significant change Thursday in how it manages interest rates by saying it plans to keep rates near zero even after inflation has exceeded its 2% target level. The change means the Fed is prepared to tolerate a higher level of inflation than it generally has in the past. And it means that borrowing rates for households and businesses — for everything from auto loans and home mortgages to corporate expansion — will likely remain ultra-low for years to come.”

The demand for our Move-In Ready Homes with unbeatable features, desirable locations and De Young SmartHome technology, matched with historically low interest rates, means it’s time to consider making a move to a new De Young home! Have we peaked your interest? Keep reading…. It gets better… 🤩

Explore Your Financing Options with De Young Mortgage

De Young Mortgage is ready to speak with you regarding your lending power. De Young Mortgage has been servicing excited new homebuyers who are purchasing homes in the newest De Young communities. Finance your new De Young Properties home through De Young Mortgage and take advantage of financing incentives toward your new home purchase.

With low mortgage rates, this is one of the best opportunities you will have to own a De Young home. The De Young Mortgage team will work with you to find the best possible loan program to fit your financial needs.

Learn more about financing your dream home! To get started, complete the Mortgage Application Form on our website and a De Young Mortgage Loan Officer will be in contact with you!

Wait… we, still aren’t done….

De Young Move-In Ready Home Is Available and In This Market With These Rates, It Won’t Last!

Looking for a brand new Move-In Ready home from De Young Properties with an interest rate as low as 2.625% with 20% Down at 2.837% Annual Percentage Rate? Then, 4235 Alamos Ave in Clovis, CA might be the perfect home for you! This Zero Energy home*, 2,363 sq. ft. De Young home features 4 bedrooms, 2.5 bathrooms, an open-concept floorplan with a formal dining room and a 2 car garage. This brand new De Young home rests upon a 6,920 sq. ft. homesite and includes a spacious gourmet kitchen with a large island and walk-in pantry. To learn more about this never-lived-in-before, Move-In Ready home, click here.

TOUR NOW: Want to tour this brand new home in-person on your own? Our quick, Move-In Ready homes and Model Homes are OPEN for self-guided tours! Now, you can experience our floorplans when it’s convenient for you. Simply visit our website to schedule your self-guided home tour today!

De Young Properties, an affiliate of De Young Mortgage, is ready to help you find the perfect home for your family. Whether you are looking for your first home or are a family wanting more room to live and play outdoors, there is a De Young Properties floorplan to meet your unique needs. These De Young SmartHomes provide new homebuyers maximum rewards with generous features and unparalleled quality while still remaining affordable.

Each De Young home includes a gourmet kitchen with stainless steel General Electric appliances. Other value added amenities include performance engineered Kohler plumbing fixtures, professional front yard landscaping, and so much more.

To learn more about De Young Properties and to begin life in your new De Young home, we encourage you to tour our Model Homes at our De Young Welcome Center in Clovis, CA. We’re open by virtual or in-person appointments – schedule a visit today by calling 559-354-9898. We look forward to helping you find your dream home!

10/13/2020: Interest Rates As Low As *2.837% Annual Percentage Rate based on $383,080 loan, 20% down, 720 FICO score, 30 year fixed rate, $478,850 sales price with 30 Day Lock and subject to borrower’s credit score. Available through De Young Mortgage Inc., NMLS #1026010. This is not an offer to lend. Financing ability and terms will depend on your situation. Interest rates may not be available at time of loan commitment or closing. For new buyers only on select homes. Subject to change without notice and for qualified buyers only; other financing programs available. Offers, incentives and seller contributions vary by community and are subject to other terms, conditions and restrictions. Contact De Young Mortgage for details.

This is not an offer for extension of credit or the commitment to lend. All loans must satisfy company underwriting guidelines. Information is subject to change at any time and without notice. Seller reserves the right to modify or change prices and features without prior notice or obligation. De Young Mortgage, Inc. NMLS #1026010. De Young Mortgage, Inc. CA Bureau of Real Estate Real Estate Broker License #01926671. *Energy consumption calculations are based on US Department of Energy and industry accepted methodologies and software. Zero Energy is achieved when energy consumption and production are equal on a net-annual basis. Actual home performance, energy consumption and production, and energy savings will vary based on many factors. As a result, actual performance, consumption and production, and savings of any home or any of its features may be more or less than indicated. Homes will include electronic energy metering equipment to allow seller, affiliates and partners to gather data regarding homes performance. All personal information will be kept strictly confidential. Solar System with 20-year zero down lease included with each home; size dependent on varying factors. See New Home Specialist or visit www.deyoungproperties.com/zeroenergy for details. Seller reserved the right to modify or change prices and features without prior notice or obligation. Cal. Contractor’s Lic. #824208. Offered by De Young Realty, Inc., CA Bureau of Real Estate, Real Estate Broker License #01254160. All rights reserved.