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 Divorce Is Possible Sooner Than You Think and Here Is How to Get Started
Buying a Home After Divorce Is Possible Sooner Than You Think and Here Is How to Get Started
One of the Most Empowering Fresh Starts Available After a Major Life Change
Divorce is one of the most emotionally and financially disruptive transitions a person can go through. It changes everything at once. Living situation, income picture, credit profile, debt structure, and the entire financial foundation that a home purchase typically rests on. Most people who go through it assume they need to wait years before homeownership is back within reach.
George Youhana wants to change that assumption because for many people the wait is significantly shorter than they expect.
What Most Newly Single Buyers Do Not Know About Their Options
The loan programs available to buyers coming out of a divorce are more accommodating than most people realize and the qualifying picture looks different than it might appear at first glance.
Alimony and child support income can be used to qualify for a mortgage when it meets specific documentation and duration requirements. If a divorce decree establishes consistent payments those payments can become part of the qualifying income picture rather than sitting outside it. For buyers whose post-divorce income on paper looks reduced from what it was during the marriage this matters significantly.
Debt restructuring after a settlement is another area where the picture can improve faster than expected. When debts that were previously joint are resolved through the settlement or assigned to the other party the qualifying debt-to-income ratio for the remaining borrower may improve substantially. What looked like an unqualifiable financial profile during the marriage might look meaningfully different once the settlement has cleared.
Credit rebuilding is a real path and it moves faster than most people assume when approached with a clear strategy. Understanding which accounts are affecting the score most significantly, what the fastest levers for improvement are, and which loan programs have the most flexibility for buyers who are still in the rebuilding phase changes the timeline dramatically.
And giving up the former home in the divorce does not start the clock over at zero. Many buyers who walked away from a previously owned home as part of a settlement find they can qualify for a new home much sooner than they expected because the qualifying picture is built around their current situation rather than their marital history.
What the Conversation With George Youhana Actually Looks Like
George takes the time to sit down with each person, listen to the full story of where they are and what they are working with, and design a plan that fits the new chapter with total clarity. This is not a generic pre-approval application. It is a consultation built around an individual's specific post-divorce financial reality and what options are actually available given where they are right now.
This is a fresh start and the home that comes with it should feel like yours from day one. Text, call, or DM George Youhana anytime at 408-644-6479 for a free consultation.
Sources
ConsumerFinancialProtectionBureau.gov
FannieMae.com
MortgageNewsDaily.com
HUD.gov
Investopedia.com
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