Yoder Mortgage Co.
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Unlock Your Dream Home with Affordable Mortgage Solutions
we understand that buying a home is one of the most significant investments you'll make in your lifetime. That's why we offer customized mortgage solutions designed to fit your unique financial situation. Whether you're a first-time homebuyer or looking to refinance, our team of experienced lenders is here to guide you every step of the way. Explore our competitive rates and flexible terms to make your dream of homeownership a reality.
ask us anything!
Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!
(949)238-1500
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Take the first step toward homeownership - no hard credit pull, no obligation!
Unlock Your Dream Home with Our Mortgage Solutions.
10+
Year of
experiance
who we are?
Your Trusted Partner in Home Financing
we’re more than just a mortgage lender—we’re your dedicated partner in making homeownership a reality. Our team works closely with you to understand your goals and provide tailored mortgage solutions that fit your lifestyle and budget. From first-time buyers to experienced homeowners, we’re here to offer guidance, support, and expertise every step of the way.
Why choose us?
Building Foundations for a
Brighter Future
Home Purchase
Refinance
Loan Options
Client Satisfaction
Personalized Solutions
Exceptional Customer Service
Your Journey to Homeownership Starts Here
we simplify the journey to homeownership. Our dedicated team is here to guide you through every step, providing expert advice and personalized support. Together, we’ll turn your dream of owning a home into reality!
Personalized mortgage solutions tailored to your needs.
Expert guidance throughout the entire buying process.
Competitive rates to help you save on your investment.
what we offer ?
Effortless Mortgages, Realize Your Dreams
We streamline the mortgage process to make your homeownership dreams a reality. Our tailored solutions and expert support ensure a smooth journey, empowering you to achieve your goals with confidence.
Bridge Loans
Bridge loans offer temporary financing, allowing you to purchase a new home before selling your current one. They provide quick access to funds, making your transition easier.
Fast Approval: Get funds quickly to secure your new home.
Flexible Solutions: Tailored to meet your specific needs.
Easy Transition: Simplifies the process of moving between properties.
FHA Loans
Designed to help first-time home buyers and other qualified individuals purchase a home.
Low down Payment: 3.5% down payment is the minimum down payment for borrowers with 580 or higher credit score!
Competitive Rates: FHA loans often have interest rates comparable to or lower than conventional loans.
Less strict requirements: FHA loans are easier to qualify for than conventional loans, making them a popular option!
NON- QM Loans
Don’t have traditional income documentation (like W-2s or pay stubs)
Have high debt-to-income (DTI) ratios
Want to use alternative income verification (like bank statements or asset depletion)
Have had recent credit events (bankruptcy, foreclosure, short sale)
Bank Statement Loans– Qualify using 12–24 months of personal or business bank statements instead of tax returns.Asset
Depletion Loans – Qualify based on your liquid assets
Interest-Only Loans – Pay only interest for a set period before paying principal.
Recent Credit Event Loans – For borrowers who had a bankruptcy or foreclosure within the past few years.
Consultation
Our consultation services provide personalized guidance to help you navigate the mortgage process effectively.
Expert Advice: Tailored mortgage strategies for your needs.
Comprehensive Reviews: In-depth analysis of your financial situation.
Ongoing Support: Assistance at every step of your journey.
Refinancing
Refinancing allows you to adjust your mortgage terms, potentially lowering your monthly payments and saving on interest.
Lower Rates: Access competitive interest rates for savings.
Flexible Options: Tailored refinancing plans to meet your goals.
Expert Guidance: Support throughout the refinancing process.
Insurance
Our insurance services provide essential coverage to protect your home and investment.
Comprehensive Coverage: Tailored policies for your needs.
Peace of Mind: Protect against unforeseen events.
Expert Guidance: Assistance in selecting the right insurance options.
how it works
Partnering in Your Real Estate Success
Consultation
Discuss your needs and financial goals with our experts.
Application
Complete a simple application to start the financing process.
Closing
Finalize your mortgage and receive the keys to your new home!
Testimonials
— Michael R.
I had an incredible experience with them. The team was attentive and helped me navigate the mortgage process smoothly. Thanks to their expert guidance, I was able to secure my dream home without any hassle. Highly recommend!
— Sarah T.
The support I received from them was outstanding! They took the time to understand my needs and found the perfect financing solution for my investment property. I couldn't have done it without them!
Frequently Asked Questions
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
What documents do I need to apply for a mortgage?
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
How long does the mortgage approval process take?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
Contact Information
32172-A Camino Capistrano, San Juan Capistrano CA 92675
(949) 238-1500