Expert in Home Mortgage Financing
Welcome to The Louie Lucero Team, where we pride ourselves on being your dedicated home mortgage expert. Our team is here to guide you through every step of the mortgage process with personalized care and professionalism. Whether you are a first-time homebuyer or looking to refinance, we are committed to helping you achieve your homeownership goals. Trust in The Louie Lucero Team for expert advice, exceptional service, and a personalized approach to your home financing needs. Welcome to a place where your dreams of homeownership become a reality.
Purchase Loans
Are you looking to buy your dream home but unsure about the financial aspect? The Louie Lucero Team is here to help you secure the best purchase loans for your home mortgage needs. With our expertise and personalized service, we guarantee a smooth and stress-free loan application process.
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Refinance Loans
Maximize the benefits of owning a home. Refinancing your loan can help you save money in the long run, reduce your monthly payments, and even give you the opportunity to cash out on some of your home equity. Keep reading to learn more about how The Louie Lucero Team can assist you with your refinance needs.
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Non-Prime Loans
Are you someone who doesn’t have a perfect credit score or traditional income sources but still dreams of owning a home? If so, then a non-prime loan program may be the perfect solution for you. Designed specifically for borrowers who may not qualify for conventional loans, non-prime loan programs offer a unique financing options.
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Getting Ready to Refinance?
Refinancing your mortgage is a great way to use the equity you have in your home. With a cash-out refinance, you refinance for a higher loan amount than what you owe and pocket the difference. Any proceeds you receive are tax-free.
Many homeowners use cash from their home to pay off high-interest credit card debt and student loan debt. You can also take cash out to finance home improvements, education or whatever you need. Since mortgage interest rates are typically lower than interest rates on other debts, a cash-out refinance can be a great way to consolidate or pay off debt. Additionally, mortgage interest is tax-deductible, but the interest on other debts usually isn’t.
Learn moreIs Cash-Out Refinancing Right for Me?
Refinancing is a smart choice for various financial situations.
Using the equity in your home is a great way to get quick access to cash, but it’s also important to decide whether a cash-out refinance makes sense for you overall. The most important question to ask is, “What are my goals?”
If you’re looking to use cash to fund an exotic vacation, cash-out refinancing may not be worth the potential long-term cost. However, if you’re planning to use the money to pay off high-interest debt or renovate your home, the monthly payment savings or home value might make long-term financial sense.
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Put Your Equity to Work.
Home Equity Line of Credit (HELOC)
Get the most out of your home equity.
Access up to 90% of your property’s value effortlessly with our flexible financing options. Secure a line of credit up to $500,000 by leveraging your home equity, without being required to utilize the full amount at once. Borrow only what you need and pay interest solely on withdrawn funds.
Trust our professional services to maximize your property’s value and financial opportunities.
Learn moreWhat Our Clients Say About Us
Louie Lucero is a highly dedicated and exceptional real estate agent and loan officer. Louie has been a long-time family friend and a trusted professional who has consistently gone above and beyond to assist my family, extended family, and other friends with their real estate needs.
He helped me immensely in buying my first California home in 1998. Though my income at the time made it difficult, Louie was able to arrange a mortgage that was affordable for me but also did not put me at risk. He made it a very pleasurable experience, because he took the time to explain everything.
I’ve been working with Louie Lucero and his team for over two decades now. From our initial house purchase to multiple purchase loans and refinances, they’ve been instrumental in our real estate journey. Without their exceptional assistance, we wouldn’t be in our current house with such a favorable interest rate. I highly recommend Louie and his team to anyone seeking professional real estate services.
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