Vince Paparella Mortgage Loans Delivered

Delivering on the American Dream!


Helping people realize their dream of homeownership through smart, thoughtful financing, and helping people to refinance to lower payments and terms.

I'm here to make sure you're guided trough the home Loan process with the utmost professional and ethical standards possible while delivering the smoothest and swiftest closing possible and while obtaining terrific value .

Let me assist you and your family in evaluating the many financing options available in today's mortgage market. I consider my clients part of my family and will treat you that way.

I work with several local real estate agents in Southern California of which I can refer to you that will help you in writing your new home purchase - always trust a professional.

Before you begin to shop for a new home, you should set up a time to meet with me so we can figure out how much you can afford. This will put you in a better position as a buyer. To get pre-qualified for a loan, I will collect information about your debt, income, and assets. We’ll look at your credit profile and assess goals for a down payment and get an idea of different loan programs that would work for you.

Contact me so I can help you determine exactly how much you can afford.
Licensed in California by NMLS ID # 1380132 CA BRE ID # 01978610
Whether purchasing or refinancing, here are some of the loan options we offer:

Purchase Money Loans

Conventional Loan Programs:

Provide clients with traditional 30, 20, 15, 10, year fixed loans.Fixed rate mortgages gives you a low payment that doesn't change.

FHA Loan Programs:

Loan programs backed by government agencies that allow clients a lower down payment. An FHA loan makes qualifying for your new mortgage easier. Refi or buy, it's the most flexible loan.

VA Loan Programs:

A loan designed for Military Veterans to allow them to obtain home financing, even with zero down for home purchases.
Jumbo Loans Take advantage of today’s low rates for loans over $417,000, now up to $3,000,000. 15-year, 30-year, FHA and ARM jumbo mortgage options are available, depending on your area.

Refinance

FHA Streamline:

Allows people with FHA loans to refinance into a lower rate with less paperwork and simpler requirements. You may not even need an appraisal!

Zero Cost Refinance:

Refinance for a lower payment without having to pay for closing cost.

Reverse Mortgage:

Tap into your home equity and use equity as a form of retirement income.A great financial tool for homeowners 62 years and older - eliminate your monthly mortgage payment and get cash when you need it.

Cash out Refinance:

Pull cash for home equity.

Hard Money Loans:

Unconventional loan programs for clients who do not qualify for conventional or government backed loans.