Mark Oaks

Mark Oaks

Mortgage Consultant/Branch Manager
NMLS ID 276221

About

The number one question you have as a possible homebuyer or existing homeowner interested in financing your property is "Why should you work with me?"

Financing a home may be the biggest financial decision you make in your lifetime. I believe it's important for you to select someone you are comfortable with and who demonstrates a high level of integrity and service. If I am doing my job right, you'll understand the loan process and the different financing options available to you. Together, we'll choose the best loan for you.

If I am doing my job correctly, then my job does not end when your first loan closes with me. I expect to be your lender for life, not just the provider of your first loan. The best compliment I can receive is your satisfaction with the service and expertise you received. And that you feel comfortable in referring your friends and relative to me, so I can look out for their best interests.

Platinum takes advantage of the latest technology, which speeds up your loan approval and funding process. We have many unique programs available to meet your exact need, including FHA 203(k) Streamlined and Standard renovation financing, HomeStyle Renovation Mortgage, VA, USDA Rural Housing, conforming, and financing for first-time home buyers with down payment assistance.

Whether you are purchasing or refinancing, put my 12+ years of experience to work for you. I look forward to the opportunity to demonstrate the benefits of my service.

An advocate of community involvement, I am a member of Shoptalk Toastmasters and an affiliate member of the Great Antelope Valley Association of REALTORS (GAVAR).

Contact Info

Phone
Cell Phone 661-992-7660
Fax 661-457-2824

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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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