Home Mortgage

With decades of combined experience in mortgage loan financing, our dedicated team has what it takes to get the best loan for you, at the lowest possible cost.

Buying your first home or just need a refresher, we’ll walk you through all the steps involved in buying a new home.

Start with an Application

Submit your prequalification request online: There’s no cost and no obligation.

Work with a Specialist

Our experienced lending specialists will help you every step of the way.

Prepare for the Closing

Securely upload and e-sign documents using the Home Loan Navigator.

We can help you unlock your loan options. Start by getting prequalified.

Get Started Now

Loan Programs for First-Time Home

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FHA Loans

Lower those rising mortgage payments with a government-insured fixed-rate loan.

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30-Year Loan

Find stability with a traditional fixed loan option, Associated Mortgage Brokers can help you lock in today at a great rate.
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VA Home Loan

Refinance up to 100% of your home or buy a new home with no down payment and never pay monthly insurance (PMI).
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Adjustable Rate Mortgage

Pay less over a traditional fixed rate mortgage for the first years of your loan with a 5 or 7 year ARM. Get the lowest rates available and save money.
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USDA

A USDA home loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.

Professional

With decades of combined experience in mortgage loan financing, our dedicated team has what it takes to get the best loan for you, at the lowest possible cost. We help make the loan process as easy as possible – all in a friendly, and timely manner.

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Great Support

We do all the behind the scenes paperwork and loan coordination making it an easy process for you. Our friendly staff are always available when you need us.

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Down Payment Assistance

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A wide variety of Down Payment Assistance programs are available
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You may receive a grant to help with down payment assistance and/or closing costs
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Based on the funds you have available, we will design a loan that will work for your individual situation.
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We can help you determine your needs and choose the right loan to meet your goals.

Frequently Asked Questions

Whether you’re a first time home buyer or you’ve owned a home before, chances are that you still have some questions about mortgages. Here are some of the most common mortgage questions answered to help make your home buying experience a positive one.

What are points?

Points (or discount points) are a way of lowering your interest rate. By paying 1% of the total loan amount up-front, a borrower can lower his interest rate by about 1/8%.

What is PMI?

PMI stands for Private Mortgage Insurance. Borrowers with less than a 20 percent down payment are required to carry this insurance as a means of protecting the lender against default.

Which type of mortgage is best for me?

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. QuickTine Mortgage can help you evaluate your choices and help you make the most appropriate decision.

How does the APR differ from the interest rate?

The rate refers to what percentage of your loan you will pay in interest per month, whereas the annual percentage rate (APR) is an adjusted percentage that expresses the yearly cost and also includes certain charges and fees.

How does the APR differ from the interest rate?

The rate refers to what percentage of your loan you will pay in interest per month, whereas the annual percentage rate (APR) is an adjusted percentage.

How do I know how much house I can afford?

Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value.

Contact Us

For your convenience our office is open Monday-Friday 8AM to 4PM.

1382 Blue Oaks Blvd Suite 100, Roseville, CA 95678

(916) 220-2001

info@quicktimemortgage.com

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