Mortgage Loans | Real Estate, DPA, Mortgage | NeighborWorks Orange County

How to Choose the Home Loan for You

Buying a home is a big decision and so is choosing the right home loan. But, the long-term financial benefits to home ownership are tangible and worth the effort. So, we offer a variety of mortgage loans options that work with varying credit scores, down payment assistance programs, and all financial backgrounds. We're allies on the journey to homeownership!

Research

See how much you owe on your home loan and compare interest rates

Ask

Reach out to one of our experts and have them run the numbers for you

Apply

Apply to refinance your home to lower what you pay over the term of the loan

Save

Use the money you save on your loan to reinvest and build wealth.

Know the Mortgage Process

Education is powerful. So, knowing what to expecting in the mortgage/home buying process will help you be prepared and know what paperwork you'll need and when.

Get Prequalified

Connect with one of our loan officers before you shop for a home.

Find Your Home

Take all the time you need to find the right home for your family.

Make an Offer

Since you're prequalified, you can make an offer with confidence.

Contract and Inspections

Once you're under contract, schedule a home inspection.

Start the Loan Application

Use this time to gather all the documentation your lender needs.

Loan Processing

Your lender will gather documentation to submit to underwriting. Don't be surprised if they ask for more documents!

Loan Underwriting

Underwriters make sure everything is accurate, valid, and meet the guidelines of the loan. Any time a new file is requested, the whole loan goes through processing and underwriting again.

Pre-Closing

Your lender and the title company work to get the Closing Disclosure in your hands a minimum of 3 business days before closing.

Closing

Make sure you have any payments for closing costs prepped and get ready to sign the closing documents.

Home

Once closing is done, the home is yours! Get ready for move in!

SEE IF YOU QUALIFY

How Much Could Refinancing Save You?

Stop imagining better rates paired with your improved credit score!

Speak to an Expert

"I have a space now where my kids can live better, have a place to do their homework and have a better quality of life"

Carlos M.

Services Provided: IDEA Savings Match & Home Buyer Development

"My experience with NeighborWorks Orange County as a first-time home buyer was wonderful! Without NWOC, I wouldn't have reached my goal. Their team's communication was fantastic, and the process was fast! Thank you!"

Raymond P.

Services Provided: Lending, Down Payment Assistance Program, & Advanced Home Buyer Development Courses

"Hace seis años por su conducto compré un condominio en Tustin, Ca.y l verdad que estoy bien satisfecho con los programas que me ofrecieron y contrataron. Six years ago I bought a condominium in Tustin, Ca., and I am really satisfied with the programs they offered me."

Ricardo H.

"My NWOC loan officer was very helpful in telling me where we were in the process. That was great!"

Lucía A.

Services Provided: Lending, Down Payment Assistance Program, & Advanced Home Buyer Development Courses

On the fence about home ownership?

See our lending library!

Learn more about home ownership

Featured Courses

FREE Rental Counseling

Our HUD-Certified Housing Counselors can help with identifying available resources to determine rent affordability and sustainability. Counselors can help you understand monthly budgeting, good rental practices and learn about your rights and responsibilities as a tenant. We are here to help you every step of the way, at no cost to you!

Featured courses

HECM Counseling

Home Equity Conversion Mortgage (HECM) loans are federally insured reverse mortgage products that help seniors (62+) access the equity in their homes without having to sell their homes.

Featured Courses

FREE Mortgage Delinquency & Default Counseling

A HUD-Approved Certified Housing Counselor is a trained professional who can guide you on the choices that may be available to prevent foreclosure. Each mortgage servicer and investor may offer borrowers alternative solutions that have different eligibility requirements. Every situation and solution is unique!

Featured Courses

FREE Pre-Purchase Counseling

Home ownership transforms lives, increasing families’ and individuals’ access to financial stability and wealth. Our HUD Certified Counselors will provide homebuyers with a thorough assessment; understanding debt, credit, down payment programs with the goal of getting you mortgage ready from beginning to end.

Book Appointment

Online

Homebuyer Education Course

This HUD Approved 8-Hour Homebuyer Education Course is ideal for homebuyers who will be purchasing within one year or are currently in escrow.

Online

Home Buying 101 - Beginner Course

Our 90 minute Home Buying 101 is an entry-level class designed to prepare homebuyers with the fundamentals of becoming mortgage ready. Home buying related topics will be presented along with information for down payment programs.

Online

Money Management

This online Money Management course is available through eHome America's comprehensive and interactive online platform.

Mortgage Loans: Build Wealth Through Home Ownership