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A buyer's market is when there are more properties for sale than prospective buyers, and sellers are more willing to go with a low bid. However, that doesn't mean you can't buy a new home in a seller's market, when there are more buyers than homes, and sellers can afford to hold out for higher…
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California
Mortgage RatesAll mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Juan Rivera to receive a personalized rate for your specific situation.
California
Refinance RatesAll mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Juan Rivera to receive a personalized rate for your specific situation.
I have worked with Juan and his staff on multiple loans and it’s always the best services. They are quick, super helpful with answering any questions and always provide me the best rates.
Juan Rivera's Response:
Hello Alejandra thank you for the feedback it is greatly appreciated! Always great working with you.
My husband and I purchased our forever home this summer, thanks to the assistance of Juan and his team. Juan took the time to lay out pricing options, while always understanding our mortgage goal. Juan always made himself available to answer any questions in any way that was most convenient for us, whether that was a quick text, or a phone conversation late evening, when my husband was off work. With opposite work schedules, my husband and I truly appreciated that flexibility. Throughout this process, Juan was always professional and made us feel at ease. He made us feel as if we were his only clients and that all his attention was on us. We look forward to staying connected with Juan and highly recommend him. Thank you Juan and team!
Juan Rivera's Response:
Thank you for the kind words, it was a pleasure working with you both and I feel blessed to be able to help.
The opportunity I had working with Juan Rivera exceeded my expectations, his customer service skills, expertise and detailed communications made my home refinance experience enjoyable.I will definitely refer his services to my friends and family members.
Juan Rivera's Response:
It was truly a pleasure being able to help!!
Juan, Thank you so much for helping us refinance our house. Everything was as I expected we are really thankful with you.I really appreciate you. I recommend you 100%.Thank you again
Juan Rivera's Response:
Thank you for the words!
Juan helped with the purchase of my fist home and was great throughout the process. When i heard the rates dropped i did not hesitate to call him back. Again great service and easy to talk to. 100% recommend Juan
Juan is an amazing asset. Always made time for us, quick with responses, and great at explaining information. We were first time home buyers and Juan really made the whole process personable and gave us the knowledge to feel like experts in the field. I would highly recommend anyone and everyone on Juan! Our escrow even closed early!
Juan was recommended to me by my real estate broker and from start to finish I received the best possible service I could have hoped for. He was patient with me since it was the first time for me selling and buying. He worked with me despite some obstacles along the road and I ended up with a mortgage on a home I love with an incredible interest rate which allowed me to put some extra money aside in case of emergencies. During the entire process I always felt that Juan was a good listener replied anytime I had concerns or questions and was always looking out for my best interests. I highly recommend him for anyone in the market.
Since I met with Juan Rivera and his team and started the process of refinancing all was very professionally done. From collecting all my info to start the application all the way to the end when my application was approved and my refinance was final. The communication was great!!! We worked as a team to get everything together and get things done. I was very impressed because we started my application beginning of month and we signed documents before the end of month. They went beyond my expectation and I was absolutely happy with the outcome. I would definitely recommend Juan Rivera because he is very knowledgeable of what is out there to be offered and gives the best options on how to go about what needs to get done. I would definitely work with him again in the future.
Juan made our home buying process as fast and simple as possible. He was always extremely responsive whenever we would have any questions. We never once felt overwhelmed throughout the whole home buying process. It is apparent that Juan truly has his clients best interest at heart. This was a wonderful experience all around.
I worked with Juan as a first time home buyer and he made the whole process super easy for my family and I. He was fast and responsive. He really made sure we were getting the best rates and I can’t thank him enough for that. He took great care of us. I would definitely work with Juan again and I would not hesitate to recommend him to my family and friends.
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in Petaluma? Rates are historically low and now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
