Janet Guilbault

Janet Guilbault

Mortgage Consultant
NMLS ID 238304


Hello, and welcome to my home page here at Platinum Home Mortgage Company!

I'm Janet Guilbault, and my passion is helping people own California real estate.

Owning real estate is more than just the numbers attached to the mortgage. It is the cornerstone of wealth and happiness for most people.

Property ownership (especially your own home) is a very big deal, no matter who you ask. Buying real estate in California can be challenging. I'm here to make it easier, faster, and more understandable.

In a world of impersonal buying, I operate differently. I want a personalized relationship, with communication flowing (even long after your loan has closed).

Together, we can navigate all the financial aspects of real estate ownership brilliantly.

Contact Info

Cell Phone 925-212-6347
Fax 925-891-3819

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Let me guide you through financing

At Platinum, is as easy as 1-2-3-4!
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.
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.
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.
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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