At Alliance Home Mortgage our superior service is unmatched.

We offer our clients and business associates security with our reputation for integrity, value, accuracy, and sustainability.

Our process begins with conducting a detailed interview of your goals and objectives. The results of the interview become your Client Plan, which is the foundation for developing your Total Cost Analysis. The Total Cost Analysis demonstrates the cost and savings of specifically chosen loan programs over a predefined period of time based on your property retention plans.

This empowers you to make informed decisions on which mortgage identifies your goals and objectives.

A large financial decision should not be made based on interest rate and monthly payment alone. There are multiple unique factors for each individual client that need to be identified, considered and, finally, calculated to align appropriately with each Client Plan.

If your desire is to achieve greater wealth and savings from selecting the appropriate mortgage, contact Alliance Home Mortgage today. Your success is our success.

Alliance Home Mortgage is currently accepting mortgage applications for properties located in California.

What’s the Scoop with Automated Bill Paying?

When your bank offers “automated bill paying” options with your check or savings account—it does not always mean that your money will be automatically transferred into your creditor’s account. Here’s the deal. Most banks have a list of large vendors (such as Verizon, A T & T, VISA, MasterCard) who already have accounts set up where your bank can easily transfer your payments electronically. Large mortgage companies will also have accounts set up nationally. However, you’ll need to read the fine print. Your bank will tell you how long it will take … [Read More...]

Too Cool for School: How to Buy a Kiddie Condo for Your College Student

What requires little to no income from the borrower, has a fantastic rate and only 3.5% down? A Kiddie Condo loan! And it doesn’t apply ONLY to condos! What better way to purchase a home for your son or daughter who is headed off to college? It’s a no-brainer! The process of buying a Kiddie Condo is simple – your child applies as the PRIMARY borrower on an FHA loan (so they do need to have a credit score) and you and/or your spouse are the co-mortgagors. Your income and assets are used to qualify, and rather than needing a large down payment--which … [Read More...]

6 Reasons You Should NOT Refinance Your Mortgage

If there is one thing that remains constant, it’s that interest rates go up…they go down…but they rarely remain the same. But with every decrease, you have an opportunity to take advantage of the lower rates. However, refinancing your mortgage may not be for everyone. Here are six reasons why you should not do so. Debt consolidation: While you may have enough equity in your home to pay off credit cards or signature loans, stop and do the numbers. Let’s say that the unsecured loans will pay off in less than 5 years. If you refinance them, and even reduce your … [Read More...]