Welcome to the YMS Blog!

Since establishing Your Mortgage Shop, a mortgage brokerage based in Rancho Santa Margarita, Calif., we have endeavored to provide the best rates available for each and every one of our clients. Our goal is to beat the rates of the big banks, working closely with clients to determine your overall buying or refinancing goals and to achieve them.

So whether you’re buying your first home, refinancing or seeking to purchase a new home for your growing family, our team is ready to help you get the best mortgage rate and close in 30 days or less!

Mortgage Broker in Rancho Santa Margarita, California

Your Mortgage Shop, Mortgage Broker in Rancho Santa Margarita, California

How much “house” can I afford?

The first step toward finding the right home is to quickly compute your purchasing power and determine how much you can afford to pay each month. This saves you time by allowing you to focus on homes in your price range.

To get started, we suggest you use our Affordability Calculator to determine how much house you can afford for your current budget and salary. Just visit our website and fill out a quick questionnaire. What are you waiting for? Let’s get started!

Or simply shoot us an email and we can help get you on your way to purchasing a home or refinancing.