Mailing Address:
25060 Avenue Stanford STE 255
VALENCIA, CA 91355
When the RIGHT loan matters!
Toll Free: 888.581.8111
Office: 661.964.2600
Fax: 661.964.1320
Email: jeff@somloans.com
  Please check out "The SOM Blog" - button to the right!!!!

SOUTHERN OAKS MORTGAGE in Valencia, CA is a mortgage broker that prides itself in providing high quality home loans to all of its customer anywhere in California.  We consider ourselves the best in the business and this can be seen by our hundreds of satisfied clients.  Our motto has always been:  "We don't put Good people in Bad situations!"  We've survived the hardest of economic times in the history of lending, so we believe we must be doing something right!  Give us a call and we'll prove it!  Also, please visit the google, yahoo and Yelp! icons to the right to see some of the reviews we've received from our clients.⇒

For information about the New HARP program that helps homeowners who are upside-down on their mortgage or have an interest only loan/high interest rate loan, please click here to find out more information.

To fill out a secure loan application to start the process, please click here!

It is our mission to provide high quality mortgage programs at the most competitive rates in the nation. Our home loan programs include: purchase, refinance, debt consolidation, home equity loans, second mortgages, reverse mortgages, construction loans, and home improvement loans tailored to your unique situation.  Questions like should I refinance or what will my payment be, are available on this site or by telephone.  We offer FHA loans , VA loans, and several first time buyer programs.  Just ask us!

Our staff of mortgage service professionals make themselves accessible to clients around the clock, and strives to obtain the best mortgage loan package no matter what the situation.

To contact one of our mortgage professionals please call Office: 661.964.2600 or fill out our Online Application to find a loan program that fits your particular need. We will help determine which one is best for you.

As an added bonus, Southern Oaks Mortgage, Inc. has a division called Southern Oaks Realty.  We have two offices, one in Valencia, CA and the other in Woodland Hills, CA.  This allows us to help our clients with the purchase or listing of their home.  We have a great team of experienced Real Estate Agents and are very knowledgeable and as always, look after the best interests of each and every client over our own interests!  Give us a call, you won't be disappointed!  View our most recent listing to the right.........you can also search for homes using the Real Estate tool on the right as well.  If you'd like to have the ability to search the MLS (Multiple Listing Service) like a Realtor, please email me and I will set you up with ListingBook.  Or just click here and it will take you right to the page to sign up.  It allows you to search like a Realtor with only a 30 minute delay to the most current information.




Here is an exerpt from my Book, Makers & Breakers, A Simple Guide to a Successful Mortgage Loan:  (this will be updated every month with a new topic)

Five Open Trade Lines
 
            This next tip is not mandatory, but rather a suggestion that may increase your credit score.  However, there are circumstances in which it may actually hurt your score.  Understanding the difference can make or break your loan.  Lenders like to see a borrower who has a credit history of at least five open trade lines or credit accounts.  These could be major credit cards, an auto loan, a student loan, gas cards or department store cards.  Typically they like to see that at least three of the accounts have a history of 24 to 36 months.  This shows them that the person they are considering lending money to has a history of paying bills on time.  I often advise my clients that have a minimal credit history to open a couple of more accounts to help build their credit scores.  This does not mean, however, to abuse these cards.  I generally suggest a department store charge card that they charge as little as $20 on, pay off in full at the end of the month and then put away for a while.  The goal is for these accounts to build a 24 month history.  The idea to build more credit is great in many circumstances, but can be dangerous in others.  For instance, if you have a credit score of 720 with only two open trade lines, both with 36 plus months of history, the lender may be satisfied enough to qualify you.  Opening more accounts just prior to getting your loan, which will result in inquiries on your credit and could lower your score, would not be a good move.  But if you don’t have enough credit to qualify, a good suggestion would be to start building credit now so that you’ll be able to qualify at a later date.  Knowing this in advance, especially two years in advance, could really make a difference.  However, please make sure that you consult with your mortgage professional before applying for too many cards to ensure that you are improving your credit score and not hurting it.
 


 

 

 

 

 

 
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Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

 

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

 

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.

 
 

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