Your Local Mortgage Lender
Located in Woodland Hills, California
Personalized Mortgage Experience
George Youhana offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Woodland Hills, California.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Buying a Home After Bankruptcy Is Possible and Often Much Sooner Than Most People Think
Buying a Home After Bankruptcy Is Possible and Often Much Sooner Than Most People Think
One of the Most Hopeful Truths in the Mortgage World
Bankruptcy feels like a financial ending. For most people who go through it the assumption that follows is that homeownership is now out of reach, possibly forever or at least for a very long time. George Youhana wants to replace that assumption with the truth. Buying a home after bankruptcy is absolutely possible and the timeline is often significantly shorter than most people expect.
Why Bankruptcy Happens to Good People
Medical bills that arrive without warning and grow beyond what any savings account can absorb. Job loss that removes income before expenses can be adjusted to match. A business setback that wipes out what took years to build. These are not the stories of irresponsible borrowers. They are the stories of hardworking families encountering circumstances that exceeded their capacity to manage at that moment.
The mortgage world has programs designed specifically for buyers who are rebuilding their financial story after exactly these kinds of experiences.
What the Timeline Actually Looks Like
The waiting period after bankruptcy depends on the type of bankruptcy filed and the loan program being pursued. But the general picture is more accessible than most people realize.
FHA financing can be available as soon as twelve to twenty-four months after a bankruptcy discharge for qualifying borrowers. VA loans for eligible veterans also have defined waiting periods that are often shorter than borrowers expect. USDA rural development financing has its own timeline requirements. Conventional financing typically has a longer waiting period but remains an option as the rebuilding process continues. Non-QM programs offer another pathway for borrowers whose situation does not fit the standard qualification framework even in the years closer to the discharge date.
The specific timeline that applies depends on the chapter filed, whether it was a Chapter 7 liquidation or a Chapter 13 repayment plan, and what has happened in the financial picture since the discharge. Those details determine which programs are available and when.
What the Conversation With George Youhana Looks Like
George takes the time to understand the full picture rather than running an application against a checklist and stopping when the first obstacle appears. He looks at the complete financial story. What happened. What the situation looks like today. What has been rebuilt since the discharge. And what the most realistic path back to homeownership looks like given where things actually stand.
That personalized game plan is how families get back into homeownership with confidence rather than stumbling into a process they are not ready for or being told no without understanding what they would need to do to get to yes.
Your past does not define your future. Text, call, or DM George Youhana anytime at 408-644-6479 for a free consultation. Follow along for more tips that help you make smart moves with your money.
Sources
HUD.gov
VA.gov
ConsumerFinancialProtectionBureau.gov
FannieMae.com
MortgageNewsDaily.com
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