Jean Rudny Loans

I believe a mortgage should be about building relationships, and helping my customers find the home loan that’s right for them. As one of Los Angeles’ most experienced loan officers, I’m here to answer your questions so you have a clear understanding of what you can comfortably afford. Many loan officers can help you get a loan. My mission is to help you find the home loan that’s right for you.

With rates being at an all time low borrowers are focusing on fixed rates. Some property owners are looking for the lower rates, but also shorter terms in order to pay off their loans quicker. Fixed rates come with not only 30-year terms, but also 25, 20, 15 and 10. On these loans, the principal balance is amortized over the specific number of years in the loan that is chosen. At the end of the term, the principal is completely paid off and there is no balloon payment due.

There are still the short term fixed/adjustable loans available. These loans have a shorter time periods when the interest rate is fixed. After the initial term is over, the loan converts to an adjustable rate loan for the remaining term of the loan. These loans are great for someone who is planning to upgrade/downgrade from this property or plans on selling in the near future. These short term loans come in 3, 5, 7 and 10 year fixed periods.

Below are some of the most common loans programs available:

Loan Programs

30-Year Fixed-Rate

30 years Fixed Rate Mortage Your monthly payment, interest rate, and total interest paid are in the average range compared to other types of mortgages. Best if you want stable payments and plan to stay in your home for many years.
Why choose a 30-Year Fixed-Rate Mortgage?
You want a stable monthly payment for the life of the loan. You believe interest rates could rise in the next few years. You plan to stay in your home for many years.
 

10-Year Fixed Interest Only

10 Years Fixed Interest Mortage Get a fixed rate for 10 years, after which the rate (and your monthly payment) may change annually. ARMs can be a good financing choice under certain circumstances, such as rising income expectations and short-term home ownership.
Why choose a 10-Year Interest Only Mortgage?
You want lower initial monthly payments than a fixed-rate mortgage usually offers. You plan to own your home for 5 to 10 years. You think interest rates may fall in the next few years.
 

5-Year Fixed ARM

ARM Fixed Rate Mortage Like the 10-Year Interest Only mortgage, Get a fixed rate for 5 years, after which the rate (and your monthly payment) may change annually. ARMs can be a good financing choice under certain circumstances, such as rising income expectations and short-term home ownership.
Why choose a 5-Year Fixed Mortgage?
You want lower initial monthly payments than a fixed-rate mortgage usually offers. You plan to own your home for 5 years or less. You think interest rates may fall in the next few years.
 

FHA Loans

FHA Loans In this new credit tightened environment, FHA opens the door for many buyers that would otherwise not be able to purchase. The new FHA process has been streamlined and many properties and consumers can now be matched to create new home ownership opportunities.

Since the new FHA limits have been available, Jean has been teaching classes for other loan agents and Realtors. She is considered an expert on FHA loans and almost 50% of Jean’s clients are now choosing to do an FHA loan because it suits their needs. Jean is able to point out the benefits of each and every loan that is available to you in order to assist you in making the best choice.
 
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Your privacy is very important to us. We will never sell or share your information with anyone.

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What people are saying about Jean

We are again so appreciative for your dedication and knowledge with handling the loan for our new home. Although you have assisted us with serveral purchases, residential and commercial since 2000, this financial climate presented challengs like never before.
Your experience and familiarity with the area and lending community enables us to complete a complicated process.
Your personal touch and sensitivity for our privacy and your levels of professionalism was particularly important to us.

- MD

Dear Jean,
My wife and I wanted to take a moment to thank you for all your personal and professional service over the years. Without your insight and experience we would not be enjoying our lovely home. From the initial purchase to the recent refinance you kept our best interest at hand and made certain all was in order for us. It is such a pleasure to know that our financing is in the care of a consummate professional. One never knows what the future may bring, but we can rest assured that when it comes to dealing with our financial affairs we know we have the best in you.

-MC & BK
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