Hello! My name is Rudi Hofmann. 

  Welcome to my website! 

It's all about the Broker you choose!

 Full Disclosure ♦ No Surprises

Meeting Your Needs.... Achieving Your Goals....

You'll find my user friendly website packed with information and resource links. There are no visitor "Capture Forms" for you to complete. You have immediate access to all information supplied here.

In today's market no loan is a cake-walk! To get a loan request funded in today's market requires a combination of experience, knowledge, skill, tenacity, excellent wholesale lender relationships and excellent loan processing.

That's what I bring to the table. It also requires client responsiveness to lender underwriting conditions. That's what you bring to the table. Working efficiently together, we'll meet your needs and achieve your goals.

The Mortgage Industry has changed enormously. Fannie Mae and Freddie Mac have raised their credit score requirements, but with credit scores in the upper 600s you can still qualify for loans with 5% to 10% down, carrying reasonable rates and fees.

FHA has lower credit requirements with as little as 3.5% down. USDA Rural allows 100% financing.

If you are currently in the miltary or you or your spouse are a veteran, your VA Eligibility Letter determines your down payment requirement (if any) along with the maximum allowable loan amount.

Although, loan terms and credit underwriting standards have tightened up, there's no shortage of money available for home mortgages, because most of the American Mortgage Market effectively has been Federalized, at least for the time being. 

Now, Full Documentation (FD) is the norm. Super Jumbo loans, Alt-A loans, like Stated Income Verified Assets (SIVA) and Stated Income Stated Assets (SISA) are still available, with higher rates and fees, lower loan-to-value (LTV) and higher credit requirements, than what was required in the past. LTV, and even the ability to get a loan, is determined by county and in certain counties by zip code. Almost all appraisals are Desk Reviewed by Lenders.

Nationwide, within the past year, closing costs have increased 14%. Although, rates are at historic lows!

Jumbo Loans within the 2008 Stimulus Bill Regional Loan Limits have expired. In Orange County and several other areas in California the Stimulus Bill Loan Limit was $729,750 on a single family residence (SFR). 

Now, it's lower. The New 2009 Temporary High Balance GSE Loan Limit for a SFR in Orange County is $625,500.

These are the new Loan Limits for all counties which replace the higher loan limits that were in effect. 

	Refinancing your home? Do you wish to lower your rate? Change your term? Or, take some cash out? I can help you.            Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the home buying process, whether you've done this a few times before or you're a first-time home buyer. I can help you.   Helpful Tips
	You don't need to be on a phone, to apply for a loan! My online application process is convenient and secure. It's designed to allow you to stop any time you want and come back later to continue right where you left off.  You are entering your loan application directly into my SSL secured Loan Origination Software (LOS), a seamless integrated component of my Electronic Document Management (EDM) System. You can come back here and check on your loan status, at your convenience, 24/7.  I will also e-mail you loan status updates throughout the loan process. Please see our Security and Privacy Policies.
Meeting Your Needs.... Achieving Your Goals....	Remodeling your home? If you are planning on remodeling your home, be it large or small, I have the right loan for you. I can help you.                Building your new home? I have the right construction loan for your primary residence and your vacation or second home. I can help you.