Alhambra Financial Advisor

An Alhambra financial advisor is essential for current home owners and prospective home owners alike. Whether you are looking at buying your first home or refinancing your current home, an Alhambra advisor can guide you through the process. From interest rates to CA property value, an Alhambra advisor is a resource of knowledge for all things relating to home loans.

Buying Your First Home

Buying your first home is an exciting venture. There are so many things to consider such as school district, bedroom space to accommodate your growing family, floor plan, layout, architecture, and location. Although visiting open houses can be fun, you will mostly likely eventually tire of the process. Why waste time exploring hundreds of homes when you could be enjoying your own? Focus your search by first meeting with an Alhambra financial advisor to help you choose a home that not only fits within your budget but will be a smart investment that will grow equity over time.

Once you have found the home that fits both your budget and your lifestyle, an Alhambra financial advisor will help you make an offer on your dream home. They will determine fair market value by researching the recent sale amounts of comparable homes. They will help you negotiate a price that your budget will like. And, an Alhambra, California finance advisor can establish an escrow account for property taxes and fit those within your financial budget as well.

A mortgage is a long term financial commitment so you want to be sure you are offered the best interest rates possible. An Alhambra financial advisor can be sure you are offered the very best interest rates based on your credit. And, an Alhambra advisor can help you consider if a fixed or variable ARM loan best fits your financial needs at this time. Let your Alhambra registered finance advisor handle all of the details of your loan so you can focus on the fun things like counter top and how many cars will fit in your garage.

Refinancing Your Home

The California housing market is ever changing and so are the rates of home loans. What may have been a low interest mortgage at the time you bought your home may actually be much higher than what is offered today. And, although your loan is likely set for 30 years, you do not have to sell your CA home in order to take advantage of a lower interest rate today. Many banks will buy your current loan and offer you a lower interest rate than what you currently have.

When you refinance your home and lower your interest rate you also lower your mortgage payment. This means there is extra money to apply to the principle of your loan, pay off other debt, invest, or spend. Consult your Alhambra financial advisor to determine if refinancing is an option for you.

Home Equity Line of Credit

As a California home owner, you know that in order to preserve the value of your CA home you need to make improvements over time. Eventually shingles need replacing and driveways crack and sooner or later every house needs a little face lift. You may be ready to replace your shag carpeting and lime green appliances, but your wallet may not. So, if you do not have a large savings account to tap into, you may consider a home equity line of credit to begin your renovations.

What exactly is a home equity line of credit? Over time you have built equity into your home by paying down the principle of your loan and watching the value your California home increase. The bank may be willing to give you a loan against the equity you have built into your home. Ask your Alhambra financial advisor to oversee an appraisal on your home and evaluate if a home equity line of credit would be a viable and wise choice for you.

You may also consider a home equity line of credit to pay off high interest debt. If you have a significant amount of credit card debt, it may be wise to pay that off with a home equity loan to lower the interest rate that you currently pay. The same is true for vehicle loans. Ask your Alhambra financial advisor to evaluate your debt and determine if transferring that debt to a home equity line of credit would be a beneficial choice for your financial outlook.

An Alhambra financial advisor is also available for all of your other personal financial needs. They can help you budget for parenthood and save for college or retirement. An Alhambra advisor can help you begin investing and find the very best 401k, IRA or Roth IRA. And, they can help you navigate through the changing economy. So, whatever your financial needs, contact an Alhambra financial advisor today.

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Financial Advisors In Alhambra

Alan Gelb, CFP
Alan Gelb, CFP
330 N. Brand Blvd.
Suite 1150
Glendale, CA 91203

Zain Griffith
Zain Griffith
9701 Wilshire Blvd
Suite 1000
Beverly Hills, CA 90212

Josh Fatoullah
Josh Fatoullah
2121 Avenue of the Stars
Suite 2350
Los Angeles, CA 90067

Eric Pritz, CFP
Eric Pritz, CFP
2121 Avenue of the Stars
Los Angeles, CA 90067

Paul Taghibagi, CFP
Paul Taghibagi, CFP
2121 Avenue of the Stars
Suite 1600
Los Angeles, CA 90067

Theodore E.  Saade CFP®, AIF®, CMFC
Theodore E. Saade CFP®, AIF®, CMFC
2121 Avenue of the Stars
Suite 1600
Los Angeles, CA 90067

Anthony Masterson
Anthony Masterson
12100 Wilsure Blvd.
8th Floor
Los Angeles, CA 90025

Mark Higginbotham
Mark Higginbotham
21515 Hawthorne Blvd
Suite 200
Torrance, CA 90503

Mark Higginbotham
Mark Higginbotham
2400 E Katella Ave
Suite 800
Anaheim, CA 92806

Eric Trapasso
Eric Trapasso
7821 24 Th St
Westminster, CA 92683

Rick Donnelly
Rick Donnelly
17901 Von Karman Ave
Suite 600
Irvine, CA 92614

Simon Reeves
Simon Reeves
30 Enterprise, Suite #190
Aliso Viejo, CA 92656