Your Trusted Real Estate & Mortgage Partners
Building Your Dreams Together
Making Home-ownership a Reality
Our Partners Success= Our Pride
1000+
Happy Homeowners
99.9%
Approval Success Rate
20+
Redondo Mortgaeg Center Years of Combined Expertise
If other lenders couldn't get you pre-approved, talk to us.
Every client is different, and so is every loan solution. We create a customized financing strategy based on your unique financial situation to help you achieve homeownership.
Your Pre-Approval Starts Here.
Contact Taheri Mortgage Solutions today for a personalized consultation.
About Taheri Realty
& Mortgage Solutions
Taheri Realty & Mortgage Solutions is dedicated and committed to providing personalized real estate plan and financing options tailored to your needs. We are passionate about helping home buyers in their journey toward financial success.
The California Mortgage Process:
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Pre-approval: Before house hunting, get pre-approved to understand your budget and strengthen your offer.
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House hunting: Find a property within your pre-approved amount.
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Loan application: Submit a formal application with your chosen lender.
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Underwriting: The lender verifies your financial information and property details.
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Closing: Sign final documents and receive your keys.
Our Services
(Real Estate & Home Loan)
FHA Home Loans
The minimum down payment (3.5%) and credit score requirements (at least 580) of FHA loans are lower than that of many conventional loans. And unlike conventional mortgages, 100% of your down payment can be a gift.
This type of mortgage has a fixed term length of either 15 or 30 years. It’s a popular choice among first-time homebuyers in California, as well as buyers with limited savings or lower credit scores.
Advantages of FHA Loans
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Lower down payments.
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Increased allowance for closing cost financing.
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Good for first-time homebuyers.
Conventional Home Loans
- Have a FICO credit score of at least 620 (this number may vary from lender to lender)..
- Have a debt-to-income (DTI) ratio of less than 50%. This means that your total monthly debt payments can’t be more than 50% of your pretax income (includes debts that you aren’t actively paying).
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If you’re not a first-time home buyer, the down payment requirement is 5%.
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If you’re a second-time home buyer, the requirement is 10%.
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Advantages of a Conventional Loan
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The interest rates tend to be lower.
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There are more options in terms of down payment.
Jumbo Loans
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California Lenders may require your FICO score to be higher than 700, and sometimes as high as 720, to qualify for a jumbo loan. Borrowers whose scores fall beneath the normal requirements usually have to offset it with a low debt-to-income ratio.
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Benefits of a Jumbo Mortgage
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While conventional mortgage loans usually require a 20% down payment, jumbo loan down payments can be as low as 5%, with 10% a more common figure.
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You have the opportunity to get more loan money to purchase a high-quality property.
Refinance
Reasons to Refinance a Mortgage
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Lowering your monthly payment – when your goal is to pay less every month, you can either refinance into a loan with a lower interest rate or a longer loan term.
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Cashing out – if you have significant equity in your California home, you may be able to cash out a portion of it with a refinance to pay bills, finance a large purchase, or buy out an ex-spouse in a divorce.
Different Types of Mortgage Refinancing
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Rate-and-Term – with this type of loan, the goal is to change the interest rate, loan term or both without making any changes to the amount of the loan. This option is best if you’re trying to save money on your monthly payment or switch your loan from an adjustable rate to a fixed rate.
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Cash-Out – as the name suggests, a cash-out refinance involves cashing out a portion of the home’s equity.
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Home buying
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Home selling
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Buyer representation
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Seller marketing
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Mortgage loan guidance
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Pre-approval assistance
Our Real Estate Services
Mortgage Solutions and Realty is dedicated to offering custom real estate and mortgage solutions designed to empower our clients. We emphasize transparency, integrity, and supporting your long-term financial health.
Why Choose Us
Outstanding Client Care
Experience our client-centric approach that prioritizes your needs. Our team is dedicated to delivering exceptional service and cultivating lasting relationships built on trust.
Holistic Support
Receive all-encompassing support throughout your real estate journey and mortgage process. We focus on the details to devise effective financial strategies that cater to your homeownership and investment objectives.
Trusted Expertise
We are a TRUSTED partner with the KW South Bay and Redondo Mortgage Center here in Southern California. With a strong history of successful outcomes local experts at the KW South Bay and Redondo Mortgage Center, we are committed to providing tailored solutions that meet your specific requirements.
Clear and Open Processes
We ensure you understand every aspect of your home buying journey mortgage solutions with clarity and transparency.
Our Cherished Collaborations
Redondo Mortgage Center
Keller Williams South Bay
