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frequently asked questions

Questions We Hear Most Often

What is a mortgage, and how does it work?

A mortgage is a loan that you take out to finance the purchase of a home. It is a long-term loan typically repaid over several years. The property you purchase serves as collateral for the loan, and if you fail to make the mortgage payments, the lender can foreclose on the property.

What factors determine my eligibility for a mortgage?

Several factors come into play when determining mortgage eligibility. These include your credit score, income, employment history, debt-to-income ratio, and the amount of your down payment. Lenders also consider the property's appraisal value and condition.

What is the difference between a fixed-rate and an adjustable-rate mortgage?

A fixed-rate mortgage has a set interest rate that remains unchanged throughout the loan term. This means your monthly mortgage payments will also remain consistent. In contrast, an adjustable-rate mortgage (ARM) offers an initial fixed-rate period, after which the interest rate can fluctuate based on market conditions.

Testimonial

Home Finance Solutions made buying our first home feel easy. Their team explained everything clearly and guided us every step of the way.

Jhone M. Client

"The team at Home Finance Solutions was incredibly helpful from start to finish. They explained everything in a way that made sense. I never felt rushed or confused during the process. Highly recommend them for first-time buyers!"

Sarah L. Client

"I was nervous about refinancing, but these guys made it easy. Their communication was clear and timely every step of the way. I appreciated how transparent they were with every detail. Great experience all around!"

David R. Client

"From day one, they were professional, prompt, and supportive. I felt like they truly cared about my homeownership goals. The entire process was smooth and stress-free. I’ll definitely be referring them to friends."

Lisa S. Client

"Home Finance Solutions exceeded my expectations in every way. They kept me updated and informed throughout the loan process. Their team was kind, responsive, and extremely knowledgeable. I couldn’t be happier with the service!"

Trusted experts in mortgage relief, helping homeowners overcome financial hardship with personalized restructuring solutions.

quick info

15760 Ventura Blvd. 7th Floor, Encino, CA 91436

contact@hfsolutionsgroup.com

888-414-8911

Work Hours :

Mon – Fri : 8am – 6pm

Saturday : 10am – 3pm

Sunday : Closed