H.I.S. Loans and Real Estate Company is a full service
Mortgage Loan Brokerage. We offers a wide array of loan programs to satisfy your financing requirements with the best terms available
on the market!
Our financing resources are the most extensive in the industry, ensuring that you are getting whatever you need, whenever you need in loan terms for your property.
We believe that when choosing a loan program, you need a solid understanding of your investment goals. At
H.I.S., our loan advisers are always available to assist you with your particular financing need to ensure you are getting the best and most updated loan available.
Our experienced loan officers will offer you many
choices when it comes to your specific needs .
For example, we
can often show you how to avoid having to pay for private mortgage insurance
(PMI) when financing more than 80% of your home's value. We can also structure
"jumbo" financing with lower rate Fannie Mae (FNMA) loans to avoid the higher
rate that comes with jumbo loans (loans higher than the federally mandated
Fannie Mae limit). In addition, where appropriate, we can show you how to get
the greatest benefit out of a debt consolidation loan.
Our loan officers
can discuss the pros and cons of a 30-year fixed rate loan versus a less
expensive 30-year loan that has a fixed rate for the first two, three, five or
seven years. (Helpful hint: the longer the fixed rate period of a loan, the more
costly it is, so don't take a fixed rate period for longer than you reasonably
A majority of our customers are what is known in the mortgage
business as "sub-prime" borrowers. This does not mean that they are bad people.
It means that they have had some credit problems due to circumstances beyond
their control. H.I.S. Loans has lending relationships with more than thirty
lenders that make loans to people who cannot qualify for Fannie Mae conforming
loans. This means that if you cannot qualify for a conforming loan, we may still
be able to provide you with a 30-year fixed rate loan that is less than 6½%
H.I.S. does not charge "up-front" fees and we always confirm the
interest rate, total closing costs, monthly payments and the entire loan
structure in writing before we go forward with your loan.
information, call us today at (818) 932-1900 or apply now online