Welcome to the world of Financial Freedom!

Service with Honesty & Integrity, whether you need a loan right here in Northern CA or nationwide, we at VolkDefense are here to guide you through the lending process. When you receive a mortgage approval from American Home Mortgage you can be confident that your loan will be funded.

Loan Programs: Available throughout California and all 50 States Luxury Home Programs: Jumbo Loans, up to 100% financing, and loan amounts up to $2,500,000. (Loan Products available on higher purchase amounts with exceptions) Rural Properties, Ranches, Horse Properties, Ranchettes & Land. Lending on income producing or rural properties available with top notch rates and fees and no farm credit membership or stock fees. Up to 100% LTV on up to 20 acres up to $2,500,000. Larger acreage programs available also.
Construction Loans: Owner Builder or Contractor Loans. Include land purchase in construction loan if desired First Time Buyer Programs: Cal. FHA programs available for those who qualify at rates as low as 2.75% . Buying a property can be stressful. We make buying a home, ranch, or investment property a much less tedious process. We have served thousands of clients all with unique needs and unique properties that they are purchasing so we know how to avoid the pitfall that less experienced lenders fall into when processing your loan. We can help you avoid those stressful mistakes.

Now is a great time to refinance your mortgage. Current mortgage rates are back down to near record lows. So if you need to lock in a 30 year fixed loan, lower your payment or take cash out.. call or email us today so that we can put our knowledge and expertise to work for you! We Have the best rates, lowest fees and take the time to create and explain your custom mortgage package to you. Home Equity lines are a cost effective way to use the value built up in your property to do things such as...make improvements to your property, invest in rentals properties or send a child to college. Whatever your reason is for opening a home equity line, we can find the right program to meet your specific needs.
For more information on understanding mortgages visit our about page.
If you have any questions, please fill out our contact us form.

Is a Reverse Mortgage a Good Choice?

At first getting a reverse mortgage can seem like a daunting task. There are many different avenues one can take after retiring and reverse mortgages can be on option that many seniors are looking forward to these days. A lot of elders don't know where to start when it comes to getting one of these forms of mortgages. As always, the requirement age for a reverse mortgage is 62. Other qualifications are depending on the specific lender you choose for your reverse mortgage so choosing a lender wisely is ideal and can be, at times, a pain staking process. Who do I trust? NCAO does good counseling on reverse mortgage help. How do I know this lender can help me? How do I know he has my benefits in mind? These are several questions asked constantly when attempting to get a reverse mortgage. That said, these are important questions.

It is a smart decision to do proper research before jumping knee deep in water when it comes to reversing your mortgage. You should talk to over with our spouse or heirs that are presently on the deed of the home. These are topics you should discuss over the course of a few weeks because once you get one there is no turning back. Reverse mortgages have both their disadvantages and their advantages, and it all depends on the person and who's qualifying for that particular loan. A question we get asked a lot is: what can we do with the money? You can pay off your mortgage debt, go on vacations to Europe and travel the world, or pay other debt and obligations. Once you get your loan, there are no limits with the money. The money is yours to keep. Using a reverse mortgage calculator before making further decisions is always a good idea.

Does it seem too good to be true? Like we said, there are downfalls when it comes to reverse mortgages. A bank can repossess the house if you do not pay if your interest fees or once the deed holder dies the heirs will no longer be able to inherit the home. Like we said, these are all topics that need to be discussed as a family before attempting to reach out to a reverse mortgage loan provider. At times, a reverse mortgage can change a life for the better. However, if ill-advise is given, it can harm your life even further and make your retirement even more hard than it already is. You have other options, as well. VA loans and Jumbo Loans are all an options depending on your qualifications. Also, FHA Loans (for Florida Residents) is also a viable option depending on your circumstances.