We are a privately owned & localy operated Mortgage Brokerage company located  in La Quinta, Calif and service the entire state of California. (thank goodness for technology!)  

Unless you've been hiding under a rock for the last year you realize that the mortgage industry has under gone major changes.  But regardless of all the "doom & gloom" you read about every day there is life after death !!

No, you can no longer get a loan just because you "say" you earn X amount & you're a "good" person ......it's back to like it was in the beginning of time......you must be able to document your income, have good credit & the necessary funds to put down.

It's not only YOU that has to be approved...the property you want to buy also has to meet guidelines.  

 What does all this mean for someone wanting to buy a home ....GET PRE-QUALIFIED, KNOW WHAT YOU CAN QUALIFY FOR PRIOR TO LOOKING FOR A PROPERTY.  IN TODAY'S MARKET A LOT OF SELLERS, ESPECIALLY BANK OWNED PROPERTIES, WANT THAT INFORMATION UP FRONT WITH YOUR OFFER. 

This is a great time to be considering a home purchase, there are plenty of homes available in all price ranges ....Guidelines are getting tougher on some programs and rates are inching up,  so if you're serious DON'T DELAY!  This is truly a BUYER'S MARKET !

Whether your interested in a primary home, week end condo, second home, or investment property, it's all out there!!! 

If you're seriously interested in purchasing a home, & would like to know more about loan programs, rates & what you can qualify for, contact us by phone 760-396-7324 or e-mail, carole@bcryan.com

BC Ryan & Associates, Inc., dba BC Ryan Mortgage Services is a licensed Real Estate Broker - CA.  Dept. of Real Estate DRE#01841078