Valor Mortgage Purchase

Know exactly what you can afford before you start searching for a home.

Congratulations!

You're ready to purchase your home

Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “28/36.” This means that no more than 28% of your total monthly income (from all sources, before taxes) can go toward housing, and no more than 36% of your monthly income can go toward your total monthly debt (including your mortgage payment).

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here's How Our Home Purchase Process Works

The Home Purchase Process

Analysis Request

Complete our simple purchase analysis request

Criteria & Scenario

Receive options based on your unique criteria and scenario

Mortgage Interest

Compare mortgage interest rates and terms

Best Offer

Choose the offer that best fits your needs

FIRST WEST FINANCIAL

(760) 488-6482

    Looking To Refinance Your Home?

    Fill out our fast refinance evaluation to calculate a lower mortgage rate & payment. We make the process quick & easy.

    0%

    Great! What type of property are you purchasing?

    5%

    Estimate your credit score.

    10%

    What year did you purchase your home?

    15%

    Please estimate the value of the property.

    $0 to $0


    20%

    What is the remaining 1st mortgage balance?

    $0 to $0


    25%

    What is your 1st mortgage interest rate?

    0


    30%

    How will this property be used?

    35%

    What kind of rate do you have?

    40%

    Do you have a second mortgage?

    45%

    Would you like to borrow additional cash?

    $0 to $0


    50%

    What is your employment status?

    55%

    Bankruptcy, short sale, or foreclosure in the last 3 years?

    60%

    Can you show proof of income?

    65%

    What is your average monthly income?

    $0 to $0


    70%

    What are your average monthly expenses?

    $0 to $0


    75%

    Do you currently have a FHA loan?

    80%

    Any late mortgage payments in the last 12 months

    85%

    What is your full name?

    90%

    What is your email address?

    95%

    What is your email address?

    100%

    NMLS Consumer Look Up | NMLS 2886482

    FIRST WEST FINANCIAL

    (760) 488-6482

      FREE Home Purchase Qualifier

      Do you know how much home you can afford? Take the first step by getting pre-approved here for FREE!

      0%

      Great! What type of property are you purchasing?

      6%

      Estimate your credit score.

      12%

      Is this your first property purchase?

      18%

      What is your current property purchase situation?

      25%

      How will this property be used?

      31%

      What is the purchase price of the new property?

      $0 to $0


      37%

      What is your estimated down payment?

      0% Down


      43%

      What kind of rate do you prefer?

      50%

      What is your gross annual household income?

      0 to 0


      56%

      Estimate your credit score.

      62%

      Bankruptcy, short sale, or foreclosure in the last 3 years?

      68%

      Can you show proof of income?

      75%

      Are you working with a real estate agent?

      81%

      What is your full name?

      87%

      What is your email address?

      93%

      What is your phone number?

      100%

      NMLS Consumer Look Up | NMLS 2886482