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

Fall Is Quietly One of the Best Times to Buy a Home and Here Is Why Most Buyers Miss This Window

Fall Is Quietly One of the Best Times to Buy a Home and Here Is Why Most Buyers Miss This Window

September 11, 20263 min read

Fall Is Quietly One of the Best Times to Buy a Home and Here Is Why Most Buyers Miss This Window

The Best Kept Secret in Real Estate That Most Buyers Never Take Advantage Of

Spring and summer get all the attention in real estate. The listings surge, the open houses fill up, and buyers compete aggressively for a limited pool of properties. What most buyers do not hear enough about is what happens when that frenzy settles down and fall arrives. George Youhana wants to change that because fall is quietly one of the smartest times of year to make a move.

What the Fall Market Actually Looks Like for Buyers

As the season progresses the market naturally slows. Families who were motivated to buy before the school year started have already made their moves. Casual buyers step back. The pool of active competition thins considerably and that thinning changes the entire negotiating dynamic for buyers who stay engaged.

Sellers who listed in the spring or summer and have not yet closed are now significantly more motivated than they were six months ago. Days on market have accumulated. The urgency to sell before winter has increased. That combination produces sellers who are willing to negotiate in ways they were not willing to negotiate when their listing was fresh and competition was strong.

Price adjustments become more common on homes that have been sitting. Closing cost credits that would have been dismissed during a busier market are now a genuine part of the conversation. Repair requests that might have been rejected at the height of the seller's market are now being accommodated by sellers who want to move the property before the year ends.

The Year-End Incentives Worth Knowing About

Builders who are working to close out their production numbers before the end of the year often roll out incentives specifically designed to attract buyers in the fall and winter window. Rate buydowns, closing cost credits, and upgraded features at no additional cost are all tools that builders use to hit their targets before December. For buyers considering new construction the fall window can be particularly productive.

Lenders similarly have year-end considerations that can create opportunities for buyers who are positioned and ready to move. Staying engaged with a knowledgeable mortgage advisor during this period rather than stepping back with everyone else is how buyers capture advantages that disappear when the spring market reactivates.

Why Pre-Approval Right Now Positions You Perfectly

The buyers who win in the fall market are the ones who are pre-approved and ready to close when a motivated seller needs to move. That preparation is what turns market conditions into actual results. A motivated seller with a home that has been sitting for months will respond very differently to a pre-approved buyer who can close quickly than to a buyer who still needs to figure out financing.

As George Youhana explains if you have been waiting for the right moment to make a move this quieter and more strategic season could be exactly what you have been looking for. The competition is lower, the sellers are more motivated, and the incentives are real.

Text, call, or DM George Youhana anytime at 408-644-6479 for a free consultation. He will help you get pre-approved, run the numbers, and design a strategy that puts you in the strongest possible position to capture what the fall market is offering right now.


Sources

NAR.realtor
MortgageNewsDaily.com
Realtor.com
ConsumerFinancialProtectionBureau.gov
Investopedia.com

blog author avatar

George Youhana

Mortgage Lender

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16.67
%
%
years
$/year
%
$/year
$1,685.20
Your estimated monthly payment with PMI.
PMI:
$208.33
Monthly Tax Paid:
$200.00
Monthly Home Insurance:
$83.33
PMI End Date:
Dec 2027
Total PMI Payments:
27
Monthly Payment after PMI:
$1,476.87
🏠Mortgage Details
Loan Amount:
$250,000.00
Down Payment:
$50,000.00 (16.67%)
Total Interest Paid:
$179,673.77
Total PMI to :
$5,416.67
Total Tax Paid:
$72,000.00
Total Home Insurance:
$30,000.00
Total of 360 Payments:
$537,298.77
Loan pay-off date:
Sep 2055
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Sep 2055
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$179,673.77
Total Interest Paid
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Aug 2051
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$151,482.12
Total Interest Paid
Total Interest Savings: $28,191.64
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(408) 644-6479

5955 De Soto Ave, Unit 120 Woodland Hills, CA 91367

Copyright 2026. All rights reserved. George Youhana NMLS #899563 | 360 Lending Corp. NMLS #899563 | Equal Housing Opportunity | Equal Housing Lender