Buying a home
Bring your target county, property type, budget and timing. Ask about cash to close, taxes, insurance and loan requirements.
Prepare for a purchase
CALIFORNIAMORTGAGE QUESTIONS.
Buying or refinancing in California? Start with the property, your goals and the questions that shape the full cost.
What to check in CaliforniaAsk Oscar whether your location, property type and financing needs can be served. Availability and qualification depend on your situation.
Meet Oscar TobarBEFORE YOU CHOOSE.
Three California questions to bring into the conversation.
The details.
The bigger picture.
Who is authorized to help?
Check the company and loan originator in NMLS Consumer Access. Confirm the California authorization and current status for your transaction.
California DRE: License guidanceCould another tax bill arrive?
A purchase can trigger a supplemental property-tax assessment. Bills may arrive separately from the annual tax bill; ask your county assessor and lender who pays.
California BOE: Supplemental assessmentsWhat does earthquake coverage add?
Homeowners insurance generally excludes earthquake damage. Ask an insurance professional about separate coverage, deductibles, limits and exceptions.
California DOI: Earthquake insuranceGeneral information. Tax treatment and insurance needs depend on the property and your circumstances.
MATCH THE NEXT STEP TO YOUR PLANS.
The useful comparison starts with your goal, not a headline rate.
Refinancing a home
Bring your current loan terms and the change you want to make. Compare closing costs, the new term and total costs over your expected time in the home.
Explore refinance considerationsPrograms are subject to current availability and individual qualification.
CFPB: Understand a Loan EstimateBRING YOUR CALIFORNIA QUESTIONS.
Tell Oscar the county, property type and goal you have in mind.
Keep sensitive financial details out of email.