Grace Davis

Grace Davis

Mortgage Consultant
NMLS ID 862403

About

I have 14 years of experience in lending and keep up-to-date with all local real estate market trends. My real estate background means that I know how important it is to stay on track with your purchase contract deadlines and allows me to support my realtors with great information along with safety netting any potential transaction issues our goal is always a smooth closing with an excellent customer service experience.

I provide service in Spanish, if the client prefers, and my team and I embrace and enjoy the cultural nuances within the Latino community.

I specialize in first-time homebuyer programs, including the CalHFA down payment assistance program. This program can assist educators via School (teacher) Employee Program. CalHFA also offers two additional programs – the MyHome and ZIP programs - for anyone living in California.

I am also very well versed in FHA mortgages and the FHA 203(k) renovation loans. Platinum has a specialized renovation department that serves our customers from initial application through the hammering of the last nail. Find out more about the benefits of FHA and conventional renovation financing. As a seasoned investor I can assist my clients to prepare investment strategies for income properties and wealth building long term, each analysis is tailored to your financial picture. Ask me about how to purchase a duplex or triplex I am always happy to help guide you every step of the way.

Contact Info

Phone
Cell Phone 510-375-3770
Fax 510-262-9207

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Let me guide you through financing

At Platinum, is as easy as 1-2-3-4!
GET PREAPPROVED
Getting a pre-approval letter is the first step towards getting into a new home. You will need to answer some questions about your income, asset you may have and a credit check to see how much house you can afford. You will then receive a letter that contains the amount you are approved for based on the income, assets and credit information you provided.
MAKE AN OFFER
After you found the right home, it's time to make an offer on the house. This involves submitting a letter that includes information about yourself, your offer price and anything else you like to include in the offer. Most offers include an earnest money deposit, which contains 1%-2% of the purchase price of the home.
HOME APPRAISAL
An appraisal is always required to buy a home with a mortgage. It helps protect you as a borrower, by making sure that the current value of the property is not lower than what you are trying to buy it for.
Property
Last step is closing on your home. You will receive a closing disclosure, that gives you information about what you need to pay and a summary of your loan details. At the closing meeting, you will sign a settlement statement, mortgage note and mortgage or deed of trust to secure the mortgage note. After which you are finally the owner of your new home.
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