Now it´s simple to buy, refinance, or build your dream home with Camino Real.

WELCOME TO

CAMINO REAL MORTGAGE BANKERS

At Camino Real, our experienced team can help you find the best mortgage deals on the internet. Get pre-approved with us to negotiate from a position of strength and to review monthly payments, down-payment requirements, and closing costs. Let us guide you through the process to find the perfect mortgage that meets your needs.

WE OFFER THE BEST TEAM IN CAMINO REAL

PURCHASE A NEW HOME

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you’re a first-time homebuyer.

APPLY FOR A LOAN

Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.

REMODELING YOUR HOME

If you are planning on remodeling your home – be it a kitchen, bathroom or backyard – you can contact one of our mortgage professionals who will help find the right loan for you.

TYPES OF LOANS

There are an infinite number of loan types out there. The type of home loan you choose can make or break you as a borrower, so make sure you fully understand it before making any kind of commitment.

Camino Real Mortgage Bankers application form

FULL APPLICATION

What you will need:

  • Social Security Number
  • Contact and employment information
  • Best estimates of income, assets, and liabilities

MEET THE STEPS OF MORTGAGE

STEP 1: PRE-APPROVAL

We recommend that you get pre-approved with us before you shop, so that you can negotiate from a position of strength and look in a price range that fits your criteria. Another important reason to be pre-approved is that this is also a good time to review the monthly payments, the down-payment requirements and closing costs that you can expect to pay.

The next step is to lock-in the current interest rates and points for your loan of choice for anywhere from 30 to 60 days. You may also elect to allow the interest rate to float, so that you can lock it in at a later time. If you decide to let the rate float you may end-up with a rate that is higher or lower than the rate on your date of application.

After you have reviewed disclosures, we will order a property appraisal, to determine the fair market value of the home, you will be required to pay for the appraisal. When refinancing with certain loan programs, an appraisal may not be necessary. Remember that the appraiser will give an opinion of value, the appraiser does not guarantee the condition of the home, we strongly recommend that you hire a home inspection company to determine the condition of the home.

 

You will then sign and return all required disclosures and any additional documentation needed to satisfy the conditions of the loan. When we receive the appraisal, a credit report, signed disclosures, and additional obligatory documentation, your loan officer will prepare and submit conditions for final approval.

After finalizing the mortgage loan process, a licensed title agent will handle the settlement process. Your Loan Officer and Real Estate Agent will assist you in coordinating this process. You’ll need to bring a cashier’s check for the down payment and other fees if you’re buying a new home. You’ll have to read and sign numerous documents during the settlement. We’ll wire the loan funds to the settlement agent, and the property owner or lender will be paid in full. Finally, the property’s ownership will be transferred from the seller to you.

MORTGAGE PAYMENT CALCULATOR

Please do not use commas.  The accuracy and applicability of the calculator below are not guaranteed.

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Mortgage 101 - Learning Hub

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Our happy costumers
have something to say

Eric helped us buy our first home. We were not sure if we could afford a home after renting for years and not having much for a down payment. Thankfully, Eric guided us through a down payment assistance program. The process was easy and we are now very happy with our new home...”
Thank you! Thank you! Thank you, Ruben!! What a fresh breath of fresh air to receive exceptional hands-on-traditional service. Camino Real Mortgage Bankers are the best!!
When I met Ruben I was certain that I will have to sell everything to survive because no one had been able to help me thus far....”
Raj
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