-
What types of loans does Aragon Home Loans offer?
Aragon Home Loans specializes in two main services — Home Loans and Refinancing Loans. Whether you’re purchasing your first home or looking to improve your current loan terms, we provide flexible, personalized options to meet your goals.
-
What is the difference between a home loan and a refinancing loan?
A home loan helps you purchase a new property, while refinancing replaces your current mortgage with a new one, usually to lower interest rates, adjust your loan term, or access your home’s equity.
-
Who is eligible for a home loan?
Most U.S. residents with a stable income, good credit history, and manageable debt can qualify for a home loan. Even if your credit isn’t perfect, our team will guide you through options that best suit your situation.
-
When should I consider refinancing my mortgage?
Refinancing is ideal when interest rates drop, your credit score improves, or you want to reduce your monthly payments. Many homeowners also refinance to switch from an adjustable-rate mortgage to a fixed-rate one.
-
How long does the loan approval process take?
On average, loan approval takes about 30 to 45 days. The timeline can vary based on your documentation and the type of loan. We’ll keep you updated every step of the way for a smooth experience.
-
Do you work with first-time homebuyers?
Absolutely! We specialize in helping first-time buyers secure affordable home loans with personalized guidance throughout the process. Our goal is to make homeownership in California simple and stress-free.
-
What documents will I need to apply?
You’ll typically need proof of income, employment history, identification, and details about your assets and existing debts. Our loan specialists will provide a checklist tailored to your application.
-
Can I apply online?
Yes! Our secure online application makes it easy to start your home loan or refinancing process from anywhere in California. Once you apply, a loan officer will reach out to discuss your next steps.
-
How does refinancing affect my credit score?
Refinancing may cause a slight, temporary dip in your credit score due to the credit inquiry. However, consistent on-time payments afterward can help strengthen your credit over time.
-
How can I contact Aragon Home Loans for more information?
You can reach out through our Contact Page or call us directly to speak with a licensed loan officer. We’re here to answer all your questions and help you move confidently toward your financial goals.
