What we Offer

Our Services include:

Mortgage Services - Purchase Loans, Refinancing, HELOC's (Home Equity Lines of Credit),  Reverse Mortgages, Conforming & Jumbo Loans, Bridge Loans, and more!

Notary Services - From notarizing a single document to Mortgage Loan Documents for purchase, sale and refinancing of real estate.  Our Notary Public's are all Members of the NNA (National Notary Association).

 Personal, One-on-one Service of a small company - Results of a Big Company!

 Ongoing Client Support - Got a Question?  Just Call or Email Us Anytime!

 Languages: English, Spanish, Italian, Japanese.

What Our State-of-the-art Website Offers

 DirectFax - Borrowers can fax their supporting documentation to a Toll-free 800 fax number.  Their documents will be automatically routed to their loan package via the bar-code on the fax cover sheet provided.

 Daily Loan Status Updates.

 Home Price Index - Our exclusive Home Price Index feature gives visitors an estimated "snapshot" of their home's average value/appreciation.

 Daily Rate Lock Advisory - Gives you up-to-date real estate and mortgage news and suggest whether to "Lock" or "Float" your interest rate (this is just a general indicator and results cannot be guaranteed).

 Mobile Notification - Allows visitors to send a text message to our Agent's cell phone or mobile device by simply filling out a form (please see right side of our home page).

 Today's Rates - Displays the average Interest Rates based on conforming loan limits.

 Today's Top Real Estate News.

What We Offer To Our BUYER/BORROWER Clients

 We will give you (upfront) a detailed "Good Faith Estimate" of Closing Costs indicating just about every cost you will incur in your transaction (purchase or refinance).  What you see, is what you get... No Surprises!  No Junk Fees!

 Being that Aiello & Associates is approved with several Lender Partners, we can pre-qualify you and and assist you in obtaining the best possible financing for your purchase or refinance.

 Online Loan Application Submission - Will enable you to select from a "Quick Loan Application" or a "Full Loan Application".  As you start contemplating the purchase of your new home, or the refinance of your current home, you will most likely have many questions regarding the loan process.  Our website is designed with your specific needs in mind, therefore, offering you a host of informative information to answer many of your questions.  Best of all, it will enable you to be pre-qualified for your mortgage loan prior to going shopping for Your New Home or Refinancing Your Current Home!

 Daily Loan Status Updates - Will give you a status report on your loan such as; when your loan application has been received, underwriting, approval, conditions, pre-funding, funding and closing.

 Daily Rate Lock Advisory - Gives you up-to-date real estate and mortgage news and suggest whether to "Lock" or "Float" your interest rate (results cannot be guaranteed)

 In-house Loan Processing!

 Local Underwriting! 

What We Offer To Our SELLER Clients

 Being that Aiello & Associates is approved with several Lender Partners, we can pre-qualify your prospective buyers and assist them in obtaining the best possible financing for their purchase.

 Online Loan Application Submission - Will enable your prospective buyers to select from a "Quick Loan Application" or a "Full Loan Application".  Best of all, it will enable your prospective buyers to be pre-qualified for a mortgage loan prior to submitting an offer on your home. 

Loan Programs and Options

 Loan options can be tailored to each client's needs

 Purchase Loans - up to 100% (80/20 combo loan or one loan)

 Refinancing (Rate and Term or Cash out)

 Loan positions; First, Second and Third Loans

 Loan types; Conforming, Jumbo, Home Equity Lines of Credit (HELOC's)

 Reverse Mortgages (for seniors 62 years and older)

 Bridge Loans

 Foreclosure Bailout - No NOD (Notice of Default) time limit

 Property types - Single Family, Condo’s, Multi-Family

 Occupancy - Owner occupied, Second Homes, Investment

 Amortization types - Fixed, ARM, Option ARM (Hybrid), Interest Only

 Loan terms - 15, 20, 25, 30 and 40 years

 Credit risk - A credit and Alt-A

 Minimum FICO scores - 500

 No PMI on some loan programs!

 No Income, Employment or Asset Verification loans (higher credit score required)

 Document types - Full Doc, Limited Doc, Stated Doc, No Doc

 Qualifying ratios - up to 55%

 Seller concessions (on purchase loans) - Up to 6% of purchase price

 Collections, charge offs and judgments (not affecting title) do not need to be paid off (on some loans)

If any of the Loan Programs and Options looks confusing, don’t worry, we’re here to assist you every step of the way; from helping you chose the right loan program, to getting you qualified, to getting you the best rate, to getting your loan approved and funded!

The above information is a compilation of program highlights from our different Lender Partners, and may vary based on the particular loan program, guidelines and minimum FICO score requirements.  All loan programs and rates are subject to change without notice.  The interest rates show in our "Today's Rates" window are based on the average rates of all lenders and may vary according to each individual loan program and credit score requirements.

We Will Also Do The Following

 There is no need to itemize every detail in the transaction that we will do for you.  However, you can rest assured that we will do just about everything that any other Mortgage Broker/Lender will do in the way of coordinating with Escrow, Title,  Appraisers, etc. Plus guide you through every step of the way to ensure a smooth worry-free transaction!  But, most of all... we will treat you with the utmost honesty, loyalty and integrity in the hopes of a continued relationship as Our Client!

 What we don't do

 We do not charge any upfront application fees!

 We do not charge for locking in your interest rate!

 We do not charge loan cancelation fees!  (with the exception of any third-party fees or any other fees incurred by our office on your behalf)

Your Privacy 

 We Value You and Your Time for visiting our Website.  We are very proactive when it comes to people's personal information.  Therefore, any personal information that is exchanged between you and our office, by means of email, text message, phone, fax and other means, will be kept strictly confidential and will not be shared with anyone, other than Aiello & Associates and its Agents (please see our Privacy Policy)

Our Affiliations

 SRAR (Southland Regional Association of Realtors) - MLS (Multiple Listing Service)

 GAVAR (Greater Antelope Valley Association of Realtors) - MLS (Multiple Listing Service)

 CAR (California Association of Realtors)

 NAR (National Association of Realtors)

 NNA (National Notary Association)