Avalon Home Loans

Home Loans in Avalon

Whether you are buying your first Avalon home, moving up or refinancing, the right loan depends on your goals. Jay Romero of Miamar Realty helps you find financing that fits, in Avalon and the Long Beach, Harbor & Catalina area. Avalon is the only incorporated city on Santa Catalina Island.

Financing Choices for Avalon Homes

Common choices include: Conventional financing for buyers who fit standard lender guidelines. FHA financing, which has its own mortgage insurance and property standards. Home equity loans or lines of credit, where your home secures the debt. Refinancing an existing mortgage to change the loan type or term, or to take cash out. On Catalina Island, lenders may look closely at condo projects and comparable sales during underwriting.

What to Expect

We start with your goals and timeline, then help you find a lender. The lender takes the application, reviews credit, income, assets and the property, and decides whether to issue a pre-approval or approval. You are free to compare lenders. We also serve Lomita, Long Beach and Signal Hill.

Get Started on Your Avalon Home Loan

Text us what you are looking for and the city, or call or text Jay at (949) 822-8702. Please mention Home Loan Page – Avalon so we know which page you saw. Please do not text personal financial details. Shopping for a home? See Avalon Homes for Sale.

Home Loan Questions

When does refinancing make sense?
It depends on your goals and costs. Compare the lender’s Loan Estimate with your current loan before deciding.

Is an FHA loan only for first-time buyers?
No. FHA loans are for a primary residence and have their own property and mortgage insurance rules. The lender decides eligibility.

We help you find financing. Loans are made by third-party lenders, not by Miamar Realty. Jay Romero, DRE 01343079. Real estate broker, California Department of Real Estate. If Jay also helps you buy or sell, he may be paid in both roles. You may use any lender. Not affiliated with HUD, FHA or any government agency. Home equity loans are secured by your home. This is not a commitment to lend. All loans are subject to credit approval, property approval and underwriting. Programs can change, and not all applicants qualify. Equal Housing Opportunity.

Keep Exploring

• Sell Your Home in Avalon
• Los Angeles County city guides
• Selling with Miamar Realty