New Horizon Mortgage Concepts

New Horizon Mortgage Concepts is a premier California mortgage lender with a rich history of helping individuals achieve their dream of homeownership. We pride ourselves on being more than just a lender; we are dedicated partners who understand that every client's financial situation and goals are unique. Our team of experienced mortgage professionals is committed to providing personalized service and expert guidance throughout the entire mortgage process, ensuring a smooth and successful experience.

A Commitment to Expertise and Diversified Services

As a licensed mortgage broker, New Horizon Mortgage Concepts has access to a vast network of lending institutions and a wide range of loan products. This allows us to tailor financing solutions to meet the specific needs of each client. We offer a comprehensive suite of mortgage services, including conventional financing backed by Fannie Mae and Freddie Mac, government-insured programs like FHA, VA, and USDA loans, and reverse mortgages (HECM). Our expertise extends to both traditional home loans and specialized financing options, particularly for manufactured and mobile homes.

Specialized Expertise in Manufactured and Mobile Home Loans

Recognizing the growing popularity and affordability of manufactured and mobile homes, New Horizon Mortgage Concepts has developed a deep understanding of this unique sector of the housing market. We have a proven track record of successfully financing manufactured homes built before June 15, 1976, including those located in communities where land ownership is not required, and those without a permanent foundation. For over 15 years, we have provided our clients with the same competitive interest rates, diverse loan programs, and flexible terms available to traditional homebuyers. This allows qualified borrowers to purchase their dream manufactured home with options like no money down and attractive loan terms.

Navigating the Reverse Mortgage Landscape

We introduced Home Equity Conversion Mortgages (HECMs), commonly known as reverse mortgages, to California homeowners in 2006. This specialized lending product has proven to be a valuable resource for seniors looking to leverage the equity in their homes. Unlike traditional mortgages, where borrowers make monthly payments, reverse mortgages allow homeowners to convert their home equity into cash, providing financial flexibility and peace of mind in retirement. We guide our clients through the complexities of HECM eligibility requirements and the implications of utilizing this unique financing option.

Serving the Military Community: VA Loans

New Horizon Mortgage Concepts is proud to serve the veteran community through our expertise in VA loans. We understand the unique financial needs and sacrifices of our veterans and provide them with access to competitive VA financing options that can help them achieve homeownership with benefits like no down payment requirements and flexible credit guidelines.