About Alma Pulido
HomeBridge Financial Services Mortgage Loan Originator in Northridge, California
As a licensed Mortgage Loan Originator in California (NMLS #254571), Alma can assist you with your home loan needs, including:
- First-time purchase
- Second-home purchase
- FHA and VA loans
- Conventional loans
- 203(k) Renovation loans
- Jumbo loans
Alma welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Alma has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.
Contact Alma Pulido Anytime
Feel free to contact Alma anytime by phone or email for personalized service and expert advice. Alma Pulido will extend the same professional service to your friends, family members, work colleagues or neighbors who need help with home financing.
Alma Pulido is a Builder-Certified Mortgage Loan Originator
Alma Pulido is certified by HomeBridge Financial Services to work with home builders, both large and small, to offer builder support services that help builders market and sell their inventory of homes.
Builders can benefit from:
- Extended rate locks¹
- Condo project approvals
- New construction-qualified appraisers
- Spec lock program²
- Pool escrow program
- Automated pipeline reporting
Builder-dedicated Mortgage Loan Originators like myself, work with our Underwriters, Processors and Closers to make the process easy for you!
1. Extended rate locks may require a rate add-on and an up-front lock-in fee. A portion of the up-front lock-in fee may be refunded at closing. The refund amount is dependent upon the rate lock commitment period and rate add-on. 12-month available on fixed-rate programs only. 2. Fee may apply to builders.
Alma Pulido is 203(k) Renovation Lending Certified
Alma is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.
The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.
Alma Pulido values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.
Please contact Alma by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!
For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.
2Please consult a tax advisor for further information regarding the deductibility of interest and charges.