Your Local Mortgage Lender
Located in Chula Vista, California
Personalized Mortgage Experience
Steven Tavera offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Chula Vista, California.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Refinancing Is Not a Quick Yes or No Decision and Here Is Why It Should Be a Strategy Instead
Refinancing Is Not a Quick Yes or No Decision and Here Is Why It Should Be a Strategy Instead
The Mistake Most Homeowners Make When Thinking About Refinancing
Most homeowners approach refinancing as a simple yes or no question. Is the rate lower than what I have? Yes. Do I refinance? Yes. And that is exactly the wrong way to think about a decision that affects your finances for years.
Refinancing is a strategy. And when you are only being shown one option, one rate, and one payment you are not being given what you need to make the best decision for your specific situation and your long-term financial goals.
What a Real Refinance Plan Actually Looks Like
Refinancing is part financial planning and part long-term strategy. The right refinance decision is not just about whether today's rate is lower than your current one. It is about where you are trying to go financially and which option gets you there most efficiently.
What are your goals? Are you trying to lower your monthly payment to free up cash flow? Pay off the loan faster by shortening the term? Access equity to fund a specific goal? Eliminate mortgage insurance? Consolidate high-rate debt? Each of those goals points toward a different refinance structure and a different set of trade-offs worth evaluating before any decision is made.
What is your equity position? The loan-to-value ratio on your current home affects which programs are available, what rate you qualify for, and whether certain options like eliminating mortgage insurance are achievable through refinancing at this point.
What is your timeline? How long you plan to stay in the home is the foundation of the break-even calculation that determines whether the upfront cost of refinancing is justified by the monthly savings or interest reduction it produces. A refinance that makes perfect sense for a homeowner staying twenty more years might make no sense at all for one planning to sell in three.
As Steven Tavera explains a simple conversation can reveal options that most homeowners did not even know existed. A different loan term. A different rate structure. A cash-out component that addresses a separate financial goal at the same time. The one-rate-one-payment approach misses all of that.
The Standard That Should Apply to Every Refinance Conversation
The decision you are making affects your financial life for years. It deserves more than a rate quote and a monthly payment comparison. It deserves a strategy built around your specific goals, your equity, your timeline, and the options that put you in the strongest possible position not just today but well into the future.
That is what Steven Tavera helps homeowners work through every day. Fill out the form and he will walk you through a step-by-step strategy to make sure the refinance decision you make is the right one for where you are going.
Sources
ConsumerFinancialProtectionBureau.gov
MortgageNewsDaily.com
Investopedia.com
FannieMae.com
BankRate.com
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