Welcome to New Horizon Home Loans!
The New Horizon Home Loans team is dedicated to delivering exceptional solutions paired with some of the most competitive mortgage rates available throughout California. Whether you're a first-time homebuyer, purchasing your dream home, refinancing an existing loan, or consolidating debt, our experienced mortgage professionals are here to guide you every step of the way.
At New Horizon Home Loans, our goal goes beyond closing a loan-- we strive to build lasting relationships with our clients by providing personalized service, trusted expertise, and ongoing support for years to come.
Your top mortgage questions, answered
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.
What our clients are saying
