We pray for the safety of those who serve in our military and their families as we pray for peace and safety for ours, the most blessed nation on earth.
May Americans again to want to be
"One Nation Under God"
God will Bless America.
As we begin a new decade, we look forward to a BRIGHT future with hope and anticipation. We look back to learn from the lessons of the past and we look forward to maximize our tomorrows.
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The Window of Opportunity is still open with the $8,000 IRS Tax credit for 1st Time Buyers -- as well as the Move Up Tax Credit of up to $6,500 for those that qualify. Don't lose these opportunities for you and your family!
You must contract for your loan/home by April 30, 2010 with closing and funding of your loan on or before June 30, 2010 to take advantage of the First Time Home Buyer Tax Credit or the Move Up Tax Credit.
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Why You Will Want Korene
to Be
Your Mortgage Advisor
and
Mortgage Banker
The American dream is still alive and well! The combination of home prices and interest rates are more attractive today than anytime from 1967 through 2009. For most families, choosing a new home is the biggest financial decision they will ever make. There are many complicated decisions involved in choosing your new home. To protect your interests and assure that you make the best possible decisions, it is important that you have a mortgage advisor on your side who is an expert in the various loan programs that are available and can refer you to professional, trained, local real estate Buyer's agents who will work for YOU the buyer. We are on your side. We will help you obtain the best mortgage for you so you can concentrate on getting ready to move in! From first time home buyer loans to jumbo home mortgages we offer multiple dozens of loan programs to help you unlock the doors to your new home.
In this website you can find tools available to answer virtually any mortgage question. If not, please contact us via telephone or email or fill out one of our contact forms on the website.
Please navigate our web site to learn more about us, what we can and will do for you, and how important it is to get started right away.
You can to go click on the Mortgage Application tab at the top of the website to start your loan process. After you have applied online, you can fax (secure efax) your support papers to 623-218-1807. For a list of papers to gather Click Here.
Once your Loan Pre-Qualification is finished, your next step is Pre-Approval. Korene and the entire klcsloanteam will review your application and submit your financial paperwork that you have gathered along with your application to the underwriting team & get you a written pre-approval giving you the clout of a cash buyer. To Apply Online, Click Here.
Call or email us to discuss your financial goals. It will soon become evident to you and all involved in your home buying transaction, that Korene Clopine-Seaman, the KLCSLoanTeam, and Pacific Coast Mortgage translate to the Best Mortgage for Me, the Client"!
With all the various loan programs, rates, and lender fees, out there, you could easily get lost trying to figure out the best loan program and options for you and your family. Confused by all the loan programs from which to choose? Our Loan Program page will help you understand the various types of loan programs. Korene will prepare and explain a personalized mortgage quote for each mortgage program and the pros and cons plus detail the requirements so you can make an informed and logical choice regarding your mortgage.
More important to us than anything else is to help our clients understand, know, and be happy with the mortgage loan we helped them obtain. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to get a new home mortgage, refinance for a lower mortgage rate, obtain a home equity loan or a second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable and financially realistic transaction.
Let us help you get the best mortgage loan for you! You can trust us to find the loan program that is best for you. We understand you are making a major financial commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you. We will help you apply, qualify, and be approved for the mortgage loan right for you, not anyone else!
Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. Our Purpose is to be your best source for financing the purchase of a new home or refinancing a mortgage. We show clients how to use real estate as part of their overall plan to financial freedom. We will show you how to implement strategies to build and conserve wealth, to become debt free as soon as possible and achieve financial freedom.
Established Credibility
Korene Clopine-Seaman is CMPS certified.® with many years experience in such residential programs as conventional loans, First Time Home Buyer (FTHB), FHA, VA, USDA, as well as jumbo loans and private mortgage banking. Korene has many years of experience, knowledge, and training working in this industry. She can say with confidence that she will get the job done right for you. Whatever your financing needs, we have the loan that is right for you. Working with Korene are a team of mortgage professionals to assist you from loan coordinators, mortgage processors, mortgage underwriters, and support staff to assist you obtaining the mortgage that is best for you and best fits your goals, needs, desire, and financial situation.
Buying Now
Before you start home shopping, get Pre-Qualified. Pre-qualification is necessary for a proper LSR that your real estate Buyer's agent needs to submit with any offer you write to purchase a home. After you have finished talking to us, you will have a good knowledge and understanding of how much you can qualify for.
You can trust the klcsloanteam to find for you the mortgage loan that best fits your needs. Korene Clopine-Seaman, the KLCSLoanTeam, working through Pacific Coast Mortgage will help you get the mortgage you need and the dream you want to live. "Less unnecessary paperwork & more personal attention" means you enter a frustration-free zone from application to decision.
Refinancing Now
We offer the NEW Home Affordable Refinance Program providing up to 1 million homeowners who have loans owned by Fannie Mae or Freddie Mac an opportunity to refinance even if your home is upside down in value up to 125% of it's current value! Check your Home's Value for Free - To start your refinance, Click Here.
Tapping into your home equity is requiring much more thought and planning than ever before. You have been paying down your balance, but property values have gone down! Do you Tap into that asset and have cash reserves for this economic season. We will help with the best program to fit your goals. Let our experienced professionals do the work so you do not have regrets later! If your desire is to either lower your payments or pull some cash-out, you have come to the right place! We will help you take advantage of the super low interest rates offered today so that you will meet your short and long term financial goals of the future! Trying to decide if now a good time to refinance is? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? You can use our Debt Consolidation Mortgage Calculator.
As with anything that someone wants to achieve, there are usually several ways to go about reaching the goal. One of the most important steps that is often overlooked is preparation. Conducting ample research and asking proper questions to help focus on your the goals on what exactly is to be obtained, why you are purchasing or refinancing this property, how you want to use it, what are you long term goals, needs and wishes and what actions must be initiated to obtain it. "It" could be a short sale, pre-foreclosure, REO (bank owned), condo, townhome, mansion, investment property, first time home, etc purchase. There is a lot of information on this website alone to help guide you in the right direction and help answer all of these questions to help you as we work to help you obtain the financing you will need.
There are many opportunities for successful real estate purchases, investing, and financing. Whether this is for a first time home, an investment property, a second home, a commercial property, or you are looking to take advantage of the existing market and economy, all real estate purchases are daunting and very consuming; especially if it's being played by ear. If you have any questions along the way I am here to answer your questions, give you guidance, direction, and to help you either directly or by referral for everything you will need to successfully and effectively acquire the real estate through financing.
Now one major area of concern people have asked is "how much will it cost me to sit down with you and go over some of these ideas and powerful tips regarding financing and financing?" All consultations, questions, emails, or referrals are absolutely free of charge and no obligation. My income comes after we have disclosed and discussed all aspects of the transaction and when the financing is complete. Now, this is not to say that costs can not and should not be part of the negotiated to be covered in the purchase contact. I will work along side you and your buying agent or buyer broker.
If you just simply want an idea of what is available and how you stand on your current mortgage, I have a free mortgage tune-up that we can go over as well as the various mortgage reduction and debt reduction programs that are available. Do you want to get out of debt and start putting money in your pocketbook as opposed to someone else's? Ask us about the Debt reduction programs, today.
If you want information or referrals for various real estate professionals, contractors, remodelers, insurance and advisory professionals, I have a number of them listed on this website and I will be pleased to explain the specialties and to make a personal recommendation and referral for you. I would be more than happy to answer any and all of your questions regarding real estate financing, mortgages, mortgage programs, and debt reduction programs.
Along with all of the detailed information and sections on the KLCSLoanTeam's website, we are available for mortgage reviews, analysis, and discussions.
As your Mortgage Advisor and Mortgage Banker, You can be assured that:
1. You will have a full and understandable explanation of the loan programs that are available and that you are qualified for.
2. You will be informed and guided through the entire loan process, from finding what programs are available, determining what payments you can afford and comfortably make , and what programs meet your financial goals all while purchasing the real estate and home you are wanting to purchase.
3. Your financial and personal information will be safeguarded, secure, and kept confidential.
4. You will not pay too much for your new home because the financing was a cookie cutter loan but a loan that fit you, your qualifications, and your goals. As a mortgage loan expert, we will help our clients and work with their real estate professionals as they negotiate and make home purchase decisions every day. We can and will help you avoid costly mistakes.
5. We will answer all of your questions about the financing market place and keep you as informed as you wish to be in the future, when your mortgage is in place. This is not just about mortgages but about referral professionals, financing and real estate information and commonly needed information about neighborhoods, the schools, the local economy and much more by way of my blog, newsletter, website reviews, etc.
Let Korene and the KLCSLoanTeam help you obtain your next mortgage and assure your best interests are protected throughout the entire process. Feel free to call or e-mail me with any questions you may have at any time. Fill out the form as the bottom of this page or one of the forms listed at the upper right hand side of this page. I will get back to you with the right answer as quickly as possible.
We specialize in implementing mortgage planning for our clients. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan!
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