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
Simple Credit Score Moves Before Buying a Home Can Make a Bigger Difference Than Most Buyers Realize
The Empowering Truth About Where Most Buyers Actually Stand
So many buyers are closer to qualifying for a home loan than they realize. A few intentional credit moves made in the months before applying can produce meaningful score improvements that change the loan programs available, the rate offered, and sometimes the difference between qualifying and not qualifying at all.
George Youhana offers a free credit review that walks buyers through their report, identifies the quick wins, and builds a personalized plan for getting loan ready faster than most people expect.
The Credit Moves That Produce the Most Impact
Pay down credit card balances and aim to keep utilization under thirty percent of each card's limit. Credit utilization is one of the most heavily weighted factors in credit scoring and it is also one of the fastest to respond to changes. Paying down balances can produce a score improvement within a single billing cycle in many cases. If utilization is currently above fifty percent getting it below thirty can move the score meaningfully in a short period of time.
Make every payment on time without exception. Payment history is the single largest component of most credit scoring models. Even one missed payment can set back months of progress. If staying current on all accounts requires setting up autopay do it. The consistency matters more than any other single factor.
Keep older accounts open. Length of credit history contributes to the score and closing an old account that is no longer used can actually lower the score by reducing the average age of accounts and eliminating available credit that was keeping utilization percentages lower. Old accounts with no balance are generally worth keeping even if they are not being used.
Avoid opening any new credit accounts before applying for the mortgage. Every new application generates an inquiry and every new account reduces the average age of the credit profile. Both of these move the score in the wrong direction at exactly the moment you need it to be as strong as possible.
Check your credit report for errors and dispute any inaccuracies you find. Errors on credit reports are more common than most people expect and an incorrect account, a misreported late payment, or a collection that belongs to someone else can be dragging the score down unnecessarily. Disputing and clearing verified errors can produce a quick and significant score jump without requiring any change in financial behavior.
What a Free Credit Review With George Youhana Looks Like
George goes through the full report with you, identifies which specific actions will produce the most score improvement for your particular situation, and builds a timeline for getting from where you are to where you need to be. The review is free and the plan is personalized rather than generic.
Text, call, or DM George Youhana anytime at 408-644-6479 or email [email protected] to schedule your free credit review. Follow along for more tips that help you make smart moves with your money.
Sources
ConsumerFinancialProtectionBureau.gov
MyFICO.com
FannieMae.com
MortgageNewsDaily.com
Investopedia.com
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