Riverside County Mortgage LenderExpert Local Home Loans
Serving all of Riverside County with specialized mortgage programs including VA loans, bank statement loans, and first-time buyer assistance. Local expertise, personalized service.
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Riverside County Housing Market Insights
Stay informed with the latest market data for Riverside County's dynamic real estate market.
Aditya Choksi NMLS ID: | 21st Century Lending NMLS ID: |NMLS Consumer Access
Mortgage Programs for Riverside County
Specialized lending solutions tailored for Riverside County homebuyers and homeowners.
VA Loans
No down payment required for qualified veterans and service members
- 0% down payment
- No PMI required
- Competitive rates
- Flexible credit requirements
Bank Statement Loans
Perfect for self-employed borrowers and business owners
- 12-24 month bank statements
- No tax returns required
- Flexible income verification
- Quick approval process
First-Time Buyer Programs
California-specific programs for first-time homebuyers
- Down payment assistance
- CalHFA MyHome program
- FHA loans from 3.5% down
- Closing cost assistance
Refinancing
Lower your rate or access your home equity
- Rate & term refinance
- Cash-out refinance
- VA IRRRL streamline
- Investment property refi
Cities We Serve in Riverside County
Providing expert mortgage services throughout all Riverside County communities.
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Your Riverside County Mortgage Expert
With deep knowledge of Riverside County's diverse communities—from the desert cities of Palm Springs and Indio to the family-friendly neighborhoods of Corona and Murrieta—I understand the unique opportunities and challenges in each market.
Local Market Knowledge
Understanding of neighborhood values, HOA requirements, and local lending practices
Specialized Programs
VA loans, bank statement loans, and California first-time buyer programs
Fast Closings
Streamlined process with typical 21-day closings to meet your timeline
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Start Your Riverside County Home Loan Today
Get pre-approved with our quick 3-minute application. No obligation, and I'll have your personalized rate quote ready within 1 hour.
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Quick application, fast results
Why Choose Us for Your Riverside County Mortgage?
- Local Expertise: Deep knowledge of Riverside County markets and communities
- Specialized Programs: VA loans, bank statement loans, and first-time buyer assistance
- Fast Closings: Streamlined process with 21-day average closing time
- Personal Service: Direct access to me throughout your entire loan process
Riverside County Mortgage FAQ
Common questions about getting a mortgage in Riverside County.
What's the minimum down payment required in Riverside County?
Down payment requirements vary by loan type: VA loans require 0% down, FHA loans require 3.5% down, and conventional loans can be as low as 3% down. Many first-time buyer programs offer down payment assistance to help with upfront costs.
How long does the mortgage process take in Riverside County?
Typical closing time is 21-30 days from loan application to closing. With proper preparation and documentation, we can often close faster. Pre-approval can be completed in as little as 24 hours.
Are there special programs for first-time buyers in Riverside County?
Yes! California offers several first-time buyer programs including CalHFA MyHome with down payment assistance, FHA loans with 3.5% down, and conventional loans with 3% down. I can help you identify the best program for your situation.
Can I get a mortgage if I'm self-employed in Riverside County?
Absolutely! Bank statement loan programs are perfect for self-employed borrowers. Instead of tax returns, we use 12-24 months of bank statements to verify income. This is ideal for business owners, contractors, and freelancers in the Riverside County area.