What is the difference between a refinance and a purchase mortgage? Purchase King Speaks!

Choosing a mortgage lender is about as important as choosing your spouse! The most important financial decision is choosing your spouse and THEN your mortgage lender. Hopefully you find one that is for LIFE! Like a doctor..
When I started in the industry, I worked in Irvine across from John Wayne airport and all of my colleagues did refinances.. They did not know what. purchase loan was AND this was very typical in the early 2000's with the mortgage culture in Orange County..

Anyhow, the Purchase King has been honing his craft since 2004. I want to help you make the best decisions, as well as get your OFFER accepted by communicating with the SELLER and both agents. This is something that most real estate agents have not seen or are not used to..

I have been a mortgage broker for 18 years. Book a call with me to chat about your scenario, needs and timeframe. Currently licensed for purchase and refinance in: California, Texas, Tennessee, Georgia, Florida, Colorado and Louisiana. I highly recommend using an independent mortgage broker like myself-especially one that uses UWM. Companies that are direct lenders are overcharging in RATE and FEES on conventional AND especially FHA and Va loans. Examples of these direct lenders are Rocket Mortgage, Guaranteed Rate, Navy Federal, USAA, Country Club Mortgage, Kings Mortgage, Resource Lenders, Alameda Mortgage, Academy Mortgage - any lender that is NOT a wholesale independent mortgage broker.

We are also competitive on Jumbo and we also have conforming and high balance with second mortgage underwritten by the same underwriter at UWM. We use UWM 99% of the time because of smokin' low rates, Amazing communication from underwriters, processor assist and closing assist. Also, minimal conditions, 4 to 6 hour same day approvals, CD released on initial approval and more. We actually use Bombbomb videos to explain your loan options with a screenshare, SAME on pre-approvals so that the seller accepts YOUR offer and we use them to explain your disclosures as well as most updates.

#1 I am explaining initial disclosures Sept 4, 2022 on a low Fico VA loan:
https://vid.us/abi4dq

#2 I am explaining pricing on the 2 - 1 buy down 30 year conventional loan on Sept 9. 2022:
https://vid.us/abi4dq

#3 I am giving an update to the all parties on an appraiser order July 7, 2022:
https://vid.us/cr7ftu

#4 One of my pre approval letters for a VA Jumbo loan in Sonoma County, CA on Aug 4, 2022 - Close date was October 4th and we actually closed it Aug 31, 2022
https://vid.us/6houfw

1. Book a Call With Me: https://calendly.com/justinkautz/15min or link in BIO

2. Apply Online: https://spotonlending.my1003app.com/913358/register or link in BIO

3. Call or Text Me: (559)679-5730

I ALSO believe that value is in providing options such as 3 rate options for the same product. What do I mean? For example, a fee sheet with a par 30 year fixed rate. Another fee sheet with a 1 point cost buy down. Another fee sheet with a 2 point cost buy down.

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Justin Kautz
The Justin Kautz Mortgage Team
NMLS: 913358
Call or Text: (559) 679-5730
[email protected]
3242 E Coast Hwy
Corona Del Mar, CA 92625

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