Kavitha Finance

Real Estate

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Primary Residence

A primary residence is legally considered to be the principal or main home you live in for most of the year. You can only have one primary residence at a time: This is usually the address listed on your driver's license, tax returns and other official government documents

Investment Property

An investment property is also known as a rental property. Rather than occupying the home yourself, an investment property should be leased to tenants to generate rental income. Here are the requirements for investment property loan eligibility: The property cannot be owner-occupied

Second Home

Second homes are defined by how you use the home — you must occupy the property for a portion of the year, but it cannot be where you live day-to-day.

Mortgage Loan

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Purchase Loan

A purchase loan is a type of loan used specifically to finance the purchase of a property, typically a home. These loans are commonly associated with mortgages, where the borrower borrows money from a lender to purchase the property. The borrower then repays the loan amount, plus interest, over a predetermined period of time

Refinance Loan

Refinancing a loan involves replacing an existing loan with a new one, typically with more favorable terms. In the context of real estate, refinancing often refers to obtaining a new mortgage loan to replace an existing mortgage. People choose to refinance for various reasons, including Lowering the interest rate ,Changing the loan term, Refinancing to a loan with a lower interest rate or Switching from an adjustable-rate to a fixed-rate loan.

HELOC

HELOC stands for Home Equity Line of Credit. It's a type of loan that allows homeowners to borrow against the equity they have built up in their homes. Equity is the difference between the current market value of the home and the amount owed on the mortgage.

Life Insurance

The primary benefits of having life insurance is to provide a safety net for your family. The primary purpose of life insurance is to provide a financial benefit to dependents upon premature death of an insured person.

Estate Planning (Will & Trust)

A Will and a Trust are both important estate planning documents, but they serve different purposes and have distinct characteristics. A Trust is a legal arrangement that allows a trustee to hold and manage assets on behalf of beneficiaries according to the terms specified in the trust document. A Will is a legal document that outlines your wishes regarding the distribution of your assets and the care of any minor children upon your death.

Annuities

An annuity is a financial product sold by insurance companies that provides a series of payments to the holder in exchange for a lump sum investment or a series of contributions. Annuities are often used as a retirement income tool, but they can also serve other purposes.

College Savings Plan

Permanent life insurance policies, accumulate cash value over time. This cash value grows on a tax-deferred basis, Policyholders can access the cash value through withdrawals or policy loans. These funds can be used to cover college tuition, room and board, books, and other qualified education expenses.

Testimonials

I was looking for a reliable broker who can help me refinance my current mortgage and I was very lucky to find Kavitha . She provided me with very good options as my situation was very tricky and helped guide me all the way to closing. I would highly recommend her for all your loan needs. Thanks!

Kotz

I highly recommend Kavitha for any of your loan needs. She provided the best rate in the market and beat the competition. She was very prompt in responding to all our questions, gave all the details even before asking, explained the loan very well and made the loan process very smooth with NO anxiety for us. She is very trustworthy and reliable.

Arun sundaramoorthy

Kavitha Senthilkumar

Passionate about helping individuals and families find their dream homes. I bring a wealth of knowledge and expertise to the real estate market. With a focus on personalized service and attention to detail, I am dedicated to guiding clients through every step of the buying and selling process, Mortgage loan from pre qualification to funding . Whether you're a first-time homebuyer or seasoned investor, I am committed to making your real estate and Mortgage experience smooth and successful.

Loans4everyone@gmail.com

925-413-8317

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