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"Wholesale" list of my approved funding sources with rates and programs not available the public. This access allows me to find the best rate, term and programs for my clients. The majority of the big banks and Credit Unions do not offer these programs.
Many times I encounter borrowers who have been turned down for a Real Estate Loan because they " Do not fit in a box" with the lender that they applied with and are denied a loan.
1. FREMONT BANK
3.UNITED WHOLESALE MORTGAGE (DIAMOND STATUS)
4.PENNY MAC BROKER DIRECT
23.1ST TRIBAL (MAM)
29.FINANCE OF AMERICA
I understand that each customer has specific needs, so I strive to meet those needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. See my reviews of past clients on the website!
Henry Munoz is licensed by the California Department of Real Estate as a Broker,#01786680 and the National Mortgage Licensing System (NMLS 228855)Henry is also registered and approved with the California Department of Business Oversight.During the period of 1998 to 2014 he worked as a mortgage loan officer under the California Department of Corporations Licensing system as a broker and lender. In 2014 transtioned to the Department of Real Estate as a salesperson licensee and then obtained his Real Estate Brokers License.
Henry also is registered and bonded with the County of Los Angeles as a Legal Document Assistant(Independent Paralegal) Registration# 2018187330 Expires 07/24/2022.Henry Munoz also served in the Army and California National Guard as a Medic.
I have over 22 years in origination of residential and commercial real estate loans.I have access as a Banker and Broker to the wholesale market that is not available to consumers. Think your Big Bank is actually the best place for your loan?Guess again..
SELLING YOUR PROPERTY ????
I also offer listing or purchase services for clients. My advantage is that I can look at a transaction with knowledge of a seasoned Real Estate Broker & Licensed Mortgage Lender.If you are selling a property,does the buyer have a real approval? Are you really getting top dollar?As a loan officer I request certain documents that will determine if the buyer is REALLY QUALIFIED. This will save you the headache of being in a escrow and tying up your property when a better offer and qualified buyer is availble. I also can determine what a Lender/Underwriter for the buyer will actually loan on the property.I have access to the databases the Lenders as myself determine a reasonable value before we have a appraisal.In addition to determining what items need top be taken care of in order to have a "clean appraisal" from the appraiser for the buyer.I visit almost every property prior to a loan, purchase or listing agreement that I am invoved with. This alone can save a seller from having an appraiser note items that should have been taken care of prior to an appraiser visiting the property.In the event that an appraiser notes items and takes pictures of repairs needed,this will lower the value and the lender for the buyer usually will request the items be repaired prior to approving a loan for the buyer.Many times this can be extremely costly and the underwriter may request an inspection and sign off from a licensed contractor.This can be a very expensive upfront cost for the seller and can kill a transaction.
BUYING A PROPERTY.
I will first check what real market value is Then I check the title of the property to see if there are any title issues that could affect the purchase.Back due taxes,Irs Liens,Judgments or other.I also check the real square footage and bedroom count with the County records to make sure that the listing agent is disclosing everything accurately. Some listings will show a 3 bedroom 2 bath. Although ,one bedroom or bathroom may be not permitted, This means that that value that was originally given as a sales prices is inflated. Many listings on the multiple listing service,Zillow or Redfin are not accurate in true market value. Some of these internet sites that he public perceive are correct may have comparables that are either too low or to high or show the incorrect square footage and many other factors.These are the type of things that I check for that are not usually done by the majority of salespersons or brokers.
If you are dealing with an Attorney on a property issue and need financing for whatever reason, have your attorney contact me to discuss.(310)975-9739