Home Loans in Paso Robles, Atascadero and Templeton
Spinnaker Financial is a Paso Robles mortgage broker that arranges home purchase loans in Paso Robles, Atascadero and Templeton, including conventional, FHA, VA and USDA loans. Down payments run from 0% to 25% of the price and average 5% to 15%. Call (805) 238-3516 for a free quote.
At Spinnaker Financial, our home loans are easier to qualify for, and our interest rates are competitive. Whether you are buying a home for the first time or continuing your home investment portfolio, our mortgage brokers can set you up with the financing that fits your specific needs.
Spinnaker Financial looks at your personal situation to custom-design a mortgage that works for you. We pride ourselves on making sure the transaction goes smoothly for the benefit of our clients. Our mortgage brokers have been processing home loans in Atascadero, Templeton and Paso Robles for many years and we have the experience to get you what you want. If you are interested or would like more information, please give us a call or fill out the form below.
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Frequently asked questions
What do I need to buy a home in Paso Robles, Atascadero or Templeton?
Start by getting pre-qualified or pre-approved so you know your price range, then gather your income and credit documents. Plan for a down payment of 0% to 25% depending on the loan, plus closing costs of about 2% to 5%. Call (805) 238-3516 and we will walk you through each step.
How much down payment do I need?
It depends on the loan. FHA loans average about 3.5% down, and VA and USDA loans can need no down payment. Across all loan types, down payments range from 0% to 25% of the home price, with an average of 5% to 15%. See our mortgage types for each program.
What is the difference between a fixed-rate and an adjustable-rate loan?
A fixed-rate loan keeps the same interest rate and payment for the life of the loan. An adjustable-rate loan starts with a fixed period and then moves with market rates, so payments can rise or fall. How rates work explains both.
Is Spinnaker Financial a mortgage broker or a direct lender?
Spinnaker Financial is a mortgage broker licensed in California (DRE Broker license #01391488, NMLS ID #264883). We review your situation and design a loan that fits, and we handle the transaction so it goes smoothly. Call (805) 238-3516 to talk through your options.
Do I have to be a first-time buyer to work with you?
No. We work with first-time buyers and with investors adding to a home investment portfolio. Some programs, such as USDA loans, are not limited to first-time buyers.
Further reading
Ready to talk about your home loan?
Tell us what you are planning, and we will walk you through your options.
Call us at (805) 238-3516