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	Points Explained

	What are mortgage points and when, if ever, does it make sense to pay them?

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	Fees Explained

	What are the 'real' costs of my California Mortgage? This will help explain exactly where your money is going - and where it shouldn't be going...


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Mortgage Loan Application


Name
Telephone
Email
Address
City
State
Zip Code
Best Contact Time

Property Value
Occupancy
Property Type
Will You Have a Co-Borrower?	Yes No
Monthly Debt
Monthly Income
Credit History
	I can verify this income through either past 2 years W-2's, past 2 years Tax Returns, or past 12 months Bank Statements.
	I choose not to verify this income and prefer a 'Stated Income' option.
Provide Either Your Social Security Number or Your Credit Score
Current Loan Amount
Current Interest Rate
Is This A Fixed Rate?
Any Cash Out?
Is This Strictly a Second Mortgage?

Application from the low rate California morgage broker

Anyone considering morgage refinance should first find out your real estate home values visit USFreeAppraisals... Be sure to visit our Los Angeles Real Estate resource or our Orange County Real Estate for more Southern California Real Estate info. To apply for your morgage fill out this application completely. For physical therapy here's your Orange County Massage Therapy. Thank you again for choosing Ascendant Financial as your Low Rate California Mortgage Loan brokerage of choice.

MORGAGE GLOSSARY

Amortization | Amortization Schedule | Annual Percentage Rate - APR | Biweekly Mortgage | Bridge Loan | Cash Out | Conforming Mortgage | Conventional Morgage | Debt To Income Ratio | Direct Lender | Discount Mortgage Broker | Discount Points | Good Faith Estimate | Grace Period | Impounds | Interest Only | Jumbo Morgage | Loan To Value | LTV | Negative Amortization | No Ratio | Option Arm | Piggyback | PITI | PMI | Prepayment Penalty | Reverse Mortgage | Subprime | Truth in Lending | Wholesale Lender | Yield Spread Premium | YSP A fixed rate morgage is when every payment you make reduces the balance of your mortgage so that your loan is paid off at the end of its term. The payments stay the same through out the morgage, and so provides a security that people often prefer. There are baloon morgages where the loan works similar to a 30 year fixed rate program but, after a pre-determined number of years, the rest of the balance is due in a single payment.

Morgage Refinance Quote For California Homeowners

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