HomeAbout UsApply NowLoan TypeBlogResourcesContactWelcome to Mortgage Globe!
Mortgage Globe Inc is a premier mortgage company that specializes in residential and complex commercial loans. With years of expertise and knowledge in the area of mortgage loan, we have managed to build trust and strong customer relationship through in-depth understanding of clients’ needs and expectations. Our experience comes from handling over hundreds of clients who have been successfully represented by our highly trained and knowledgeable team members. We firmly believe in keeping our clients and their needs first and in doing so we offer a wide variety of products, including residential home loans to multi-million dollar commercial requirements. We provide quick and convenient access to all types of investors and mortgage products.
As the leading mortgage firm in Los Angeles, our goal is to provide end to end loan assistance to make home ownership simple and hassle-free for our residential clients. We also handle complex loan needs of commercial businesses to help them achieve their important milestones exactly as planned.
Mortgage Globe Inc is a premier mortgage company that specializes in residential and complex commercial loans. With years of expertise and knowledge in the area of mortgage loan, we have managed to build trust and strong customer relationship through in-depth understanding of clients’ needs and expectations. Our experience comes from handling over hundreds of clients who have been successfully represented by our highly trained and knowledgeable team members. We firmly believe in keeping our clients and their needs first and in doing so we offer a wide variety of products, including residential home loans to multi-million dollar commercial requirements. We provide quick and convenient access to all types of investors and mortgage products.
As the leading mortgage firm in Los Angeles, our goal is to provide end to end loan assistance to make home ownership simple and hassle-free for our residential clients. We also handle complex loan needs of commercial businesses to help them achieve their important milestones exactly as planned.
Mortgage Globe Inc is a premier mortgage company that specializes in residential and complex commercial loans. With years of expertise and knowledge in the area of mortgage loan, we have managed to build trust and strong customer relationship through in-depth understanding of clients’ needs and expectations. Our experience comes from handling over hundreds of clients who have been successfully represented by our highly trained and knowledgeable team members. We firmly believe in keeping our clients and their needs first and in doing so we offer a wide variety of products, including residential home loans to multi-million dollar commercial requirements. We provide quick and convenient access to all types of investors and mortgage products.
As the leading mortgage firm in Los Angeles, our goal is to provide end to end loan assistance to make home ownership simple and hassle-free for our residential clients. We also handle complex loan needs of commercial businesses to help them achieve their important milestones exactly as planned.
Want to work with us directly? Click Apply Now, or contact them directly.
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Rod Vianna CEO and Founder
of Mortgage Globe Inc.
As CEO and Founder of Mortgage Globe Inc., Rod Vianna has facilitated thousands of transactions, turning countless real estate dreams to reality in the process. Rod has over 17 years of experience in the industry, including ten years working with some of the world’s most prominent international banks. Rod brings the same level of passion and professionalism to every deal, no matter who the client is.
Over the course of his career, Rod has consistently been a top producing mortgage consultant and worked for major retail banks like Washington Mutual, Chase, Wells Fargo and HSBC Bank. His vast experience working on extremely complex transactions makes him uniquely qualified to handle any situation that may arise. After spending several years working with major banks, Rod decided to use his entrepreneurial mindset, world class communication and negotiation skills to form Mortgage Globe. Working directly with lenders all over the country allows him to provide more products, better options, better service, and an overall better experience to his clients.
Today, Rod continues to pride himself on doing everything in his power to get clients into their homes—whether they’re first-time buyers, moving up, residential investors, or commercial investors. He understands how daunting the process can sometimes be, so he aims to make real estate as simple and understandable as possible for all of his clients.
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Fixed Rate Mortgages (FRM)
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.
Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.
FHA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.
Interest Only Mortgages
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.
Components of an ARM
Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.
Balloon Mortgages
Balloon mortgages include a note rate that remains fixed initially, and the principal balance becomes due at the end of the mortgage term.
Reverse Mortgages
Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.
Graduated Payment Mortgages
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and becomes fixed for the remaining duration of the loan.
What Kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.
Find Out How Much You Can Borrow.
The first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
Click here to Pre-Qualify.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities. It is recommended that you get pre-approved before you start looking for your new house so you:
Look for properties within your range.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
Close your loan quicker
More on Pre-Qualification
LTV and Debt-to-Income Ratios
FICO™ Credit Score
Self Employed Borrower
Source of down payment
LTV and Debt-to-Income Ratios
LTV or Loan-To-Value ratio is the maximum amount of exposure that a lender is willing to accept in financing your purchase. Lenders are usually prepared to lend a higher percentage of the value, even up to 100%, to creditworthy borrowers. Another consideration in approving the maximum amount of loan for a particular borrower is the ratio of monthly debt payments (such as auto and personal loans) to income. Rule of thumb states that your monthly mortgage payments should not exceed 1/3 of your gross monthly income. Therefore, borrowers with high debt-to-income ratio need to pay a higher down payment in order to qualify for a lower LTV ratio.
FICO™ Credit Score
FICO™ Credit Scores are widely used by almost all types of lenders in their credit decision. It is a quantified measure of creditworthiness of an individual, which is derived from mathematical models developed by Fair Isaac and Company in San Rafael, California. FICO™ scores reflect credit risk of the individual in comparison with that of general population. It is based on a number of factors including past payment history, total amount of borrowing, length of credit history, search for new credit, and type of credit established. When you begin shopping around for a new credit card or a loan, every time a lender runs your credit report it adversely effects your credit score. It is, therefore, advisable that you authorize the lender/broker to run your credit report only after you have chosen to apply for a loan through them.
Self Employed Borrowers
Self employed individuals often find that there are greater hurdles to borrowing for them than an employed person. For many conventional lenders the problem with lending to the self employed person is documenting an applicant's income. Applicants with jobs can provide lenders with pay stubs, and lenders can verify the information through their employer. In the absence of such verifiable employment records, lenders rely on income tax returns, which they typically require for 2 years.
Source of Down Payment
Lenders expect borrowers to come up with sufficient cash for the down payment and other fees payable by the borrower at the time of funding the loan. Generally, down payment requirements are made with funds the borrowers have saved. If a borrower does not have the required down payment they may receive “gift funds” from an acceptable donor with a signed letter stating that the gifted funds do not have to be paid back.
