About Ian Carnochan

As a licensed HomeBridge Mortgage Loan Originator in California (NMLS #256677), Ian Carnochan can assist you with your home loan needs, including:

  • First-time purchase
  • Second-Home purchase
  • Refinance
  • FHA and VA loans
  • Conventional loans
  • 203(k) Renovation loans
  • Jumbo loans

Ian has over 27 years’ experience in lending, forging relationships with colleagues from processing to the CEO to help his clients as needed. He is well versed in FHA and VA financing; Conventional guidelines are second nature to him as well. Not only can Ian work on your loan qualification,  but he can structure your loan to meet your overall goals and needs while navigating through this new lending environment. 
Ian and his team have closed well over 5,000 transactions during his career. His success is primarily because he has concentrated his efforts on being the best partner he and his team can be for his client as well as his agent partner. Ian’s team works hard to create clients for life; Their focus is to become someone you can confidently refer to your friends and family.
Why Home Bridge and Ian Carnochan? Ian and his team strive to always provide an exceptional  experience to their clients with a focus on “real” not “perceived” customer service.  When you call, you know that they care about you and your needs and you are not just a number. Home Bridge Financial revolves around customer service and the relationship we share with our partners and clients. That is why your agent, friend or family member referred you to us, and why they have chosen to work with Ian Carnochan.

Contact Ian Carnochan Anytime

Feel free to contact Ian anytime by phone or email for personalized service and expert advice. Ian Carnochan will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Ian Carnochan is 203(k) Renovation Lending Certified

Ian 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.

Ian Carnochan 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 Ian 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!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

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.

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