Home Loans and ADU Financing in Downey

Local guidance, starting with your questions

What feels uncertain about your next step? I’m Charlie Lara, and I’ll help you understand the options, ask questions and compare the tradeoffs before you decide. We can review your goals in English or Spanish and keep you and your agent informed along the way.

Our office is in Downey. We also help homeowners and buyers in Norwalk, Bellflower, Cerritos, Compton, Long Beach, South Gate, Bell Gardens, Whittier, Huntington Park and nearby Los Angeles County communities.

What would you like to explore?

• Buying a home: Review your budget, estimated payment, cash needed and available purchase programs. Explore home purchase financing.
• Reviewing your current mortgage: Compare your existing loan with available refinance options, including closing costs and the effect of changing your term. Explore refinancing.
• Planning an ADU: Discuss your project, available equity and financing approaches that may fit your property and budget. Explore ADU financing in Downey.
• Comparing loan programs: Ask about conventional, FHA, VA, ITIN, home equity and other available options. Eligibility and program availability vary. Review our loan programs.

How we’ll work through it

1. Start with what you want to accomplish and the questions on your mind.
2. Review your income, credit, savings, property and current mortgage where relevant.
3. Compare available options, estimated payments, upfront costs and important tradeoffs.
4. Decide whether to apply, gather more information or revisit your plan later.

Would it help to talk through your situation? Call (562) 524-5888 or schedule a conversation. When you’re ready, you can also start the secure application.

Charlie Lara, NMLS 2251128. Elevate Mortgage, NMLS 2387326. This is not a commitment to lend. All loans are subject to credit approval, underwriting, property review and program guidelines. Not all applicants will qualify. Equal Housing Opportunity.