Do I have to request my loan online?
No. While it’s extremely convenient to fill out your loan request online using our streamlined application forms, you can also request a loan by calling 1-209-526-4040 - if you prefer to fill out the forms in person, just visit one of our Prudential California Realty offices and we can assist you.
What are my loan options?
You have a wide range of loans and interest rate options. For a personalized plan detailing the loan solution that works best for you, simply request a loan online or call 1-209-526-4040 to speak with a Prudential California Realty Sales Professional who can put you in touch with a preferred lender.
How much can I borrow?
The amount of money you can borrow is influenced by many factors including:
• The appraised value of your home
• The amount of equity in your home
• Your credit history
• Your income
Use our home equity calculator to quickly estimate how much you could borrow based on the equity in your home.
Can I transfer a cash advance from my credit card account to a personal checking or savings account?
You can use your a credit card to access cash at any ATM displaying the Visa®, MasterCard®, or Cirrus® logo. You may also get cash by presenting your credit card along with identification at most banks.
Will I have to pay application fees to request my loan?
No. There are no application fees and no hidden costs when you request a loan from Prudential California Realty. You’re not even under any obligation to accept the loan once you’re approved. Requesting your loan is simply the best way to see exactly how much you could qualify for. Where you take it from there is your decision.
How long does it usually take to process a loan request?
The key factor in determining how quickly your request can be handled is making sure you include all of the documentation requested as quickly as possible. Missing or incomplete information may delay your request. As soon as your loan is approved, your loan specialist will get in touch with you to arrange a convenient time and location to close your loan.
What will my interest rate be?
Your mortgage company will work with you to identify a personalized financial solution to fit your budget and your situation. We have a commitment to providing rates that are competitive and appropriate based on your financial picture, credit history, characteristics of the transaction and the property involved. Because each loan is personalized to your financial situation, you’ll receive a personal rate quote when you request your loan.
How can I keep my monthly loan payment from increasing?
You can select a fixed rate mortgage. You’ll rest easy knowing the rate and payment stay the same with a fixed rate mortgage. Plus, it builds in valuable peace of mind for your family budget.
Is it safe to enter my information online?
Our security standards are among the most stringent of any company on the Internet. Our security team keeps abreast of and implements relevant technology developments -- whether it is an improved form of encryption or a better method for monitoring unauthorized intrusion. Learn more about our commitment to your privacy and security.
What if I have more than one co-borrower?
That's no problem. Your mortgage consultant will collect the information about any additional co-borrowers. If you’re starting an application online, think of only one of the other applicants as your co-borrower for now and provide answers based on that person. If one of the joint applicants is your spouse, answer the online questions using his or her information. After you've submitted your information, a mortgage consultant will call you to discuss your next steps; that’s when you can provide the additional information.
Will I need to send any documentation?
Documentation requests vary by loan type. We generally request W-2s, recent pay stubs, bank statements, and account statements. Your mortgage consultant will provide specific information about exactly what will be needed and where it should be sent.
What if I have filed for bankruptcy or have less–than–perfect credit?
We provide home financing programs that may be able to accommodate your circumstances. Keep in mind that your credit history can affect the amount of money you can borrow in relation to your income and the interest rate you are offered. The best way to understand your options is to speak with a home mortgage consultant.
When will someone contact me?
We'll contact you within three business days after you've submitted your online information.
Still have questions?
If you still have unanswered questions or need additional information, we’re ready to help. Please speak with one of our mortgage consultants: simply request a loan online or call 1-209-526-5156 to speak to a Guarantee Pacific Mortgage loan expert.