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

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 2.750% with 20% down at 2.942% APR.

De Young Properties Move-In Ready Home - 4235 Alamos Ave Clovis CA

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! De Young Properties Move-In Ready Home - 4235 Alamos Ave Clovis CA

Looking for a brand new Move-In Ready home from De Young Properties with an interest rate as low as 2.750% with 20% Down at 2.942% 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!   

9/4/2020: Interest Rates As Low As *2.942% 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.

Move-In Ready Home With Interest Rate As Low As 2.625% With 20% Down At 2.647% APR – Don’t Miss Out! 

Move-In Ready Home With Interest Rate As Low As 2.625% With 20% Down At 2.647% APR – Don’t Miss Out! Take advantage of historically low interest rates and start your new life in a De Young Properties home! Now could be the perfect time to make a new home purchase. 

The Fresno Bee’s most recent article 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.”

Rates for mortgages are in a constant state of flux, but they continue to be historically low. With unbeatable features, desirable locations, and historically low interest rates, now could be a great time to buy a new home.

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 here and a De Young Mortgage Loan Officer will be in contact with you!

Start Life in a new De Young Properties Home While Interest Rates are at a Historic Low!

De Young Properties Move-In Ready Home - 4235 Alamos Ave Clovis CA

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 2.647% Annual Percentage Rate? Then, 4235 Alamos Ave in Clovis, CA might be the right home for you! This new 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 De Young Zero Energy Home* rest 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, visit: https://deyoungproperties.com/floorplans/pre-built-homes/

De Young Properties Move-In Ready Home - 4235 Alamos Ave Clovis CA

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!

8/28/2020: Interest Rates As Low As *2.647% 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.

De Young Mortgage Honored as 2020 People’s Choice Award Recipient!

De Young Mortgage is proud to have been honored as a Fresno Bee People’s Choice Award recipient for the third time. De Young Mortgage would like to thank the community for your votes.

De Young Mortgage honored as a Fresno Bee People’s Choice Award recipient for the third time.

“Thank you to the community for this honor. We are grateful to have De Young Mortgage recognized as a top financial resource in Fresno County,” said Brandon De Young, President of De Young Mortgage. “Our team is dedicated to providing quality service and excellent customer experiences. We look forward to continuing to make homeownership a reality for Central Valley residents.”

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 Conventional, FHA, USDA, and VA loans, 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 company underwriting guidelines. Information is subject to change at any time and without notice.

Stable Job Market and Low Mortgage Rates Creating Surge in Homebuilding

Stable Job Market and Low Mortgage Rates Creating Surge in Homebuilding

It seems like 2020 could be a big year for home builders. The U.S. market closed out the last month of 2019 with the highest level of new housing projects since 2006. The surge of home starts was even higher than what economists had predicted – by a decent margin. Economists point to the stable job market and low mortgage rates among the factors contributing to this growth. As we head into the new year, buyers and builders alike are optimistic as the market gains momentum.

De Young Mortgage

How Much Growth, and What Does That Mean?

So, the last month of 2019 saw the highest rate of home groundbreakings in 13 years. How much is it actually growing? According to Bloomberg economists:

  • Single-family homebuilding has risen 11.2%
  • Residential home groundbreakings rose 16.9% (the biggest in three years)
  • Homebuilding permits rose to 3.9% at the end of 2019

The rise of single-family housing is particularly important because this segment has the largest share of the housing market. An 11.2% increase is higher than the U.S. has seen since 2007! And what does all this mean? More homes (often entry-level or “starter” homes) are coming to the market, bringing in new homebuyers and possibly converting renters.

Good News: Rates Are Likely Staying Low

Of course, mortgage rates and housing prices play a critical factor in the market’s growth. When mortgage payments stay affordable, more people can afford to buy a home. There’s good news on that front for 2020: Keeping in line with 2019’s low rates, 2020 is expected to see 30-year fixed mortgage rates around the 3.8% mark. This could lead to more renters making the leap to buying a home.

De Young Mortgage

What’s Ahead

Optimism is growing along with the housing market, which is rising alongside a stable job market and low mortgage rates. Groundbreakings have surged at the start of this new year, prospective homebuyers and renters are taking advantage of the low mortgage rates, and the market is looking good. If you’re looking to buy a new home in 2020, keep an eye on rates and new developments in the coming months.

Mortgage Rates Drop to Lowest Level in Three Months! Now is a Smart Time to Purchase a New Home!

Mortgage Rates Drop to Lowest Level in Three Months! Now is a Smart Time to Purchase a New Home!

If you are planning to purchase a brand-new home or a resale home NOW is the perfect time, as mortgage rates have dropped to the lowest level in three months! The 30-year fixed-rate mortgage averaged 3.60%, which is about a quarter point above all-time lows. Don’t wait until spring to act, lock in your interest rates now!

De Young Properties was recently featured in an ABC30 article, which underlined the impact low interest rates are having on the housing market. The low rates have created an increase in new construction and home sales, with lower interest rates giving buyers greater financial power.

Explore Your Financing Options with De Young Mortgage

De Young Properties is pleased to recommend the competitive lending advantage of their affiliate, De Young Mortgage, Inc. 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. De Young Mortgage offers a variety of home loans including Conventional, FHA, USDA, VA and Jumbo Loans.

Owning a De Young home has never been easier with low mortgage rates and a down payment assistance program, the De Young Mortgage team is sure to find an option suitable for almost anyone.

To learn more about De Young Mortgage,  call (559)420-7868 to arrange 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. De Young Mortgage, Inc. NMLS #1026010. De Young Mortgage, Inc. CA Bureau of Real Estate Real Estate Broker License #01926671.

Looking For Your Dream Home?

Want to take advantage of these low interest rates but haven’t found your dream home yet? Don’t wait any longer to start your new life in a new De Young Properties home! With the unbeatable features and desirable locations matched with these low interest rates, now is absolutely the best time to buy a De Young home.

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 you 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.

Visit a De Young Welcome Center at Shaw & Highlands or Leonard and Dakota in Clovis today!

Low Interest Rates Continue – Today’s A Smart Time To Buy or Refinance!

Low Interest Rates Continue – Today’s A Smart Time To Buy or Refinance!

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Take advantage of low interest rates this spring, making it the right time to make a new home purchase or refinance your home. According to Freddie Mac, fixed mortgage rates rose slightly for the 30-year fixed-rate mortgage averaged 4.24 percent down from the previous week when they averaged 4.29 percent. A year ago this time, the 30-year FRM averaged 4.47 percent. The takeaway – contact De Young Mortgage today.

Explore Your Financing Options with De Young Mortgage

If you were thinking about buying or refinancing a home, now is the time! With low interest rates, financing or refinancing your dream home is easier than ever. The professionals at De Young Mortgage are well acquainted with Conventional, FHA and VA loans, as well as other additional loan options, and are ready to use their expertise to help you choose the best program to suit your individual needs.

With years of lending industry knowledge in the Central Valley, your De Young Mortgage Loan Officer will review your income, savings, liquid assets, FICO credit score and debt situation then evaluate the various mortgage rates and options available. In a timely manner, your Loan Officer will be able to assist you in finding the right loan to suit your needs!

What are you waiting for? Take advantage of these increased low interest rates while you can! To learn more, fill out the Mortgage Application Form and a De Young Mortgage Loan Officer will be in contact with you shortly to guide you through the lending process.

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. De Young Mortgage, Inc. NMLS #1026010. De Young Mortgage, Inc. CA Bureau of Real Estate Real Estate Broker License #01926671.

Looking For Your Dream Home?

De Young Residence 210

Want to take advantage of these low interest rates but haven’t found your dream home yet? Don’t wait any longer to start your new life in a new De Young Properties home! With the unbeatable features and desirable locations matched with these low interest rates, now is absolutely the best time to buy a De Young home.

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 you 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.

Mortgage Rates Continue To Drop: Is it time for you to refinance your mortgage?

Mortgage Rates Continue To Drop: Is it time for you to refinance your mortgage?

As mortgage interest rates continue to drop, many homeowners are trying to decide whether or not refinancing is right for them. Refinancing a mortgage means paying off an existing loan and replacing it with a new one. Whether for the opportunity to obtain a lower interest rate, the chance to shorten the term of their mortgage or the desire to consolidate debt, there are many reasons refinancing might be right for you!

Mortgage Rates

Benefits of Refinancing

Homeowners refinance for a variety of reasons, but usually they do so to achieve a lower interest rate and lower payment.  Additional benefits to refinance are as follows:

  • To convert an adjustable-rate mortgage (ARM) to a fixed-rate mortgage
  • To withdraw home equity as cash
  • To cancel monthly mortgage insurance
  • To convert from a 30-year to a 20, 15 or 10-year loan.

Monthly savings is only one factor to consider. Borrowers should also determine the cost of the refinance transaction, the current equity of the home and other pertinent details before making the decision, like the cost to apply for the loan.

Factors to consider before refinancing

If you can lower your interest rate and payment, it may be worth refinancing.  Consider this: A homeowner with a large balance can reduce monthly costs by dropping their rate by just 0.25%. However, someone with a very small loan balance may need to reduce their rate 2-3% before seeing enough savings to justify a refinance transaction.

Closing costs should also be taken into consideration when making the final decision to refinance. If you can save $100 per month in your payment, but it will cost you $5,000 to do so, the time to recoup the cost would be 50 months. That’s more than four years! Unless you plan on being in your home for at least that long, it may not make sense to refinance. However, if your closing costs are $3,000, but you are saving $200 per month, you would recoup the cost of the transaction in just 15 months. Determining how long you plan to be in your home will help in deciding if the value equates to the cost of refinancing.

Additionally, refinancing can sometimes cost you absolutely nothing. If so, it is usually a good idea to do so, even if you’re only saving a fraction of what you currently pay each month.

With exception of a few loan programs, lenders will verify that you have at least a minimal amount of equity to allow a refinance. Generally, the more equity you have in your home, the easier it is to refinance. Therefore, your appraisal must come in higher than the amount of equity you have, and sometimes a low appraisal can be the reason a refinance falls through.

To learn more about refinancing and if it is the best option for you, contact De Young Mortgage today for more information at 559.420.7868. You can also complete the online Mortgage Online Application here.

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. De Young Mortgage, Inc. NMLS #1026010. De Young Mortgage, Inc. CA Bureau of Real Estate Real Estate Broker License #01926671.

De Young Mortgage Honored as 2019 People’s Choice Award Recipient!

De Young Mortgage Honored as 2019 People’s Choice Award Recipient!

De Young Mortgage is proud to announce they have been honored with as a Fresno Bee People’s Choice Award recipient for the second time. A Fresno Bee People’s Choice Award recognition is a prestigious annual honor given to three local businesses per category by the Fresno Bee based on votes received from the community. De Young Mortgage is humbled and grateful to the entire the community for their votes in this great honor and for their continued support of the De Young legacy.

“Thank you to the community for this honor. We are grateful to have De Young Mortgage recognized as a top financial resource in Fresno County,” said Brandon De Young, President of De Young Mortgage. “Our team is dedicated to providing quality service and excellent customer experiences. We look forward to continuing to make homeownership a reality for Central Valley residents.”

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 Conventional, FHA, USDA, VA and Jumbo loans, 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 company underwriting guidelines. Information is subject to change at any time and without notice.

 

Veteran’s Day Profile: Veteran Homeowner Works with De Young Mortgage to Make His Dreams Come True!

Veteran’s Day Profile: Veteran Homeowner Works with De Young Mortgage to Make His Dreams Come True!

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Duty, honor, country and the rest of the ideals that have made and inspired great American Armed Forces for generations are extremely important to everyone at De Young Mortgage. As Veteran’s Day approaches, De Young Mortgage would like to pay tribute to our active military and veterans alike in honor of their service, sacrifice and commitment to our country.

De Young Mortgage is proud to have made home ownership a reality for many veterans in our community and is happy to create financing options to allow for even more new Veteran homebuyers, including Central Valley native David Agbisit, a United States Marine Corps Veteran. David, who served in the USMC from 1986-1994, just purchased his first De Young Properties home in De Young Trailside at Loma Vista, located in Clovis.

When asked what Veteran’s Day means to him, David said, “Veteran’s Day is a day to honor and recognize the men and women who signed a blank check to protect this country and its people, regardless of race, orientation, or affiliation from all enemies foreign and domestic until we are physically or mentally unable.” According to David, when it comes to his military service, he is most proud of, “Just being to serve my country and to call myself a United States Marine. I take that path to heart and will defend this country until I die.”

David and his wife, Elizabeth, worked with the De Young Mortgage Team to help provide them with a stress-free process of exploring special financing programs and selecting which path was right for them.

”Our experience with De Young Mortgage was honest, respectful and easy to work with during this process.” David said.

David and Elizabeth are excited about moving in and knowing the home is theirs, as well as meeting and making some good friends in the Trailside community.

“We would 100% recommend De Young Mortgage and De Young Properties to our family and friends.” David stated. “We chose De Young Properties because of their craftsmanship and reputation but we mainly chose them due to the fact they were the only ones to reach and to act like they cared. They’ve been 100% genuine and helpful throughout the whole process.” he added.

The professionals at De Young Mortgage are well acquainted with the Veterans Home Loan as well as the FHA, USDA and other conventional loans. Owning a De Young home has never been easier with a variety of down payment assistance programs, the team is sure to find an option suitable for almost anyone.

Whether you’re looking to purchase a home for the first time or just refinancing, our goal is to provide the same high level of service and integrity that matches the De Young name.

To learn more about a VA Home Loan or any other financing programs through De Young Mortgage, call (559) 439-9494.

Lending Limit Increases Make Fresno County Mortgages More Accessible Than Ever!

 Lending Limit Increases Make Fresno County Mortgages More Accessible Than Ever!

Affordable financing is now more accessible than ever! As of December 2017, conforming loan limits have increased throughout California, making it easier for first-time homebuyers to obtain mortgages. In Fresno County, we have seen increases in lending limits for Conventional loans, Federal Housing Administration (FHA) loans and Veterans Affairs (VA) loans, all of which are mortgage options offered by De Young Mortgage!

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An affiliate of legacy homebuilder De Young Properties, De Young Mortgage is a local home mortgage broker that serves as a one-stop financing resource for not only De Young Properties customers, but all homebuyers and homeowners across our Valley. De Young Mortgage takes pride in being a reliable and reputable mortgage company, offering a full-range of quality financing options including, but certainly not limited to, the three loan types for which lending limits have increased this year: Conventional, FHA and VA loans.

So, what are each of these loans and which one might be right for you?

Conventional Mortgage Loans

A Conventional mortgage loan is a home loan that conforms to the loan limits set by the Federal Home Loan Mortgage Corporation (Freddie Mac) and the Federal National Mortgage Association (Fannie Mae), but is not guaranteed or insured by a federal government agency. If you have a strong credit score and intend to make a sizeable down payment on your home, this loan may offer a better rate, more flexibility and fewer provisions when compared to other loans!

The new Conventional mortgage lending limit for a single-family home in Fresno County is $453,100!

FHA Mortgage Loans

FHA Mortgage Loans

An FHA mortgage loan is a type of home loan backed and insured by the Federal Housing Administration. These loans have more lenient credit score and down payment requirements, designed to help low to moderate income homebuyers realize their dream of home ownership. The home of your dreams may not be far from reach with an FHA loan from De Young Mortgage!

The new FHA mortgage lending limit for a single-family home in Fresno County is $294,515!

VA Mortgage Loans

A VA mortgage loan is a type of guaranteed home loan made by private lenders to eligible veterans for the purchase of a personal home. These loans are guaranteed by the U.S. Department of Veterans Affairs. Most members of the military, veterans and National Guard members are eligible to apply for these loans, which offer competitive rates and benefits to eligible veterans! VA home loans start with $0 down programs.

The new VA mortgage loan lending limit for a single-family home in Fresno County is $453,100!

Learn More!

With increasing lending limits across Fresno County, financing your dream home is easier than ever. The professionals at De Young Mortgage are well acquainted with Conventional, FHA and VA loans, as well as other additional loan options, and are ready to use their expertise to help you choose the best program to suit your individual needs.

With years of lending industry knowledge in Fresno, your De Young Loan Officer will review your income, savings, liquid assets, FICO credit score and debt situation then evaluate the various mortgage rates and options available. In a timely manner, your Loan Officer will be able to assist you in finding the right one to suit your needs!

What are you waiting for? Take advantage of these increased lending limits while you can! To learn more, fill out the Mortgage Application Form and a De Young Mortgage Loan Officer will be in contact with you shortly to help you turn your dream of home ownership into a reality.

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.