Kevin Theodora

Kevin Theodora

Mortgage Consultant
NMLS ID 276229


I am actively hiring experienced mortgage consultants in the Los Angeles and Orange County areas. Are you motivated to increase your personal earnings? Results-oriented? Have an existing network of referral sources? Platinum Home Mortgage is growing and I'd like you to grow with us.
My team is centrally located in the greater Los Angeles area and our large, 7,000 sq. ft. facility also serves as an operations hub for the Western United States. Our processing staff has decades of experience and most are bi-lingual to assist our Spanish-speaking customers. The underwriting and closing staffs have been working together for nearly three decades and provide customer service second to none.
We have in-house processing, underwriting and doc prep staff to provide fast, one-time and consistent closings for your loans; something rarely delivered in the industry today.

Niche Programs & Benefits to You

GNMA Issuer for FHA and VA loans!  We can say yes when others say no!

FHA Low FICO Score Program for FICOs as low as 580! or even no score

Conventional & FHA W2-only Program for wage earners or no tax returns

Multiple renovation options: FHA 203(k) Streamlined, FHA 203(k) Standard and HomeStyle®

Conforming and jumbo with piggy-back second: avoid mortgage insurance

Conforming financing for individuals with more than four properties and solutions for investors

FHA Streamline Refinances & VA IRRRL: quick and easy refis

Contact Info

Cell Phone 310-365-3456
Fax 310-380-7130

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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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