Refinance Your Home
Refinance your home with us and save yourself a bunch of money. We can lower your rate and help you save more money each month!Purchase a New Home
Take advantage of the recent drop in home prices and low interest rates. Purchase a home with the help of the experts at J Stone Living.Lower Your Payment
We deliver real relief to distressed homeowners. If youre feeling backed against a wall with your mortgage payments there is still help.
The J Stone Living Difference
Home Refinance and Home Purchase Loans
J Stone Living is proud to provide you with the best home financing experience available. At J Stone Living we feel it is very important that our customers understand all aspects of their new home loan. Whether you are refinancing your home, purchasing a new home or looking to lower your payment the details of your new home loan will be clearly explained to you. From our loan consultants to loan processors and even the title companies that we work with your experience will be second to none. Our people are the difference. Get ready for the J Stone Living experience. 
- Fixed Interest Rate Loans
- Lowest Interest Rates Available
- No Prepayment Penalties
- Bi-Weekly Payment Program
- Easily Understood Loans
- Highest Level of Service
- Quick and Easy Process
- Clear and Accurate Quotes
- Call us Today!
This is our promise to you.
Take some time to look around our web site and find the answers to other important questions that you may have. You will also find some useful information about refinancing your current loan and purchasing a new home. Our staff would be happy to answer any questions that you may have so feel free to give us a call.
Understanding Mortgage Interest Rates
Interest rates on a mortgage can vary widely depending on what your goals are and what your particular financial situation may be. There are some variables that are the same for everyone and other variables that may depend on your unique situation.
J Stone Living can deliver quotes almost immediately that will be customer tailored for your situation. It is however important to understand that generic interest rates that are posted on some websites or advertised on T.V. may not be an accurate indication of the interest rate/s that may be available to you. You may qualify for a lower interest rate or a higher interest rate than what you see advertised. The only way to get a true indication of the interest rate that you can qualify for is to speak with a mortgage professional who can talk to you about all of the details of your transaction.
This handy chart gives you an idea of what might affect the interest rate on your home loan. You will see that as some variables increase or decrease it will result in the interest rate increasing or decreasing.
| FACTORS | INCREASE | DECREASE |
| Amount of Loan |  |
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| Length of Loan | |
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| Adjustable Rate | |
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| Down Payment | |
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| Discount Points | |
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| Closing Costs | |
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| Credit Quality | |
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| Income Level | |
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| Lock In Period | |
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| Rates Up Rates Down |
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Frequently Asked Questions
You will be clearly notified of all details of your new loan. Many homeowners have very similar questions so we have provided answers to those questions here. If you have any further questions or a questions about your specific situation simply call or send us an email.
We offer both fixed and adjustable rate mortgages. At this point in time it does not make sense to look for an adjustable rate mortgage because fixed rate loans have lower interest rates. This will likely change and adjustable rate mortgages will again become an attractive option for some homeowners.
If you have an adjustable rate mortgage we will be very clear about the maximum interest rate that your loan can adjust to. We will also tell you what the maximum payment on your mortgage could be when your rate starts adjusting.
We do not currently offer loans with a prepayment penalty. This means that you will not be penalized in any way for paying your loan off early. If your loan does have a prepayment penalty we will let you know. If you opt for a fixed rate loan then you will never have a prepayment penalty.
Closing costs are different on every transaction. Typical closing costs include title fees, appraisal, underwriting, processing and a few additional minor fees. We can work with you to reduce your closing costs as much as possible. A lock in fee may apply to lock in the interest rate on your loan.
Typically you will not need to bring in any money when your loan closes. There are some circumstances that will require you to bring some cash in for closing. You may be required to pay an upfront fee to cover the cost of the appraisal and credit report and to lock in your interest rate.
The appraisal is always paid out of pocket. In some cases we will reimburse you for the cost of your appraisal at the closing of the loan. You may also be required to pay an initial fee to lock in the interest rate on your loan.
What Are Our Customers Saying?
"I just wanted to take a minute to thank you and your staff for your hard work. You saved our home … you were the angel that we needed."
- Karin H. from Modesto, Ca.
"Your approach is great. All mortgage companies should work the exact same way that you guys do. Unbelievable."
- Roland T. from San Clemente, Ca.
"I am writing to tell you that your company saved me more than $450 a month. Thank you."
- Sharon A. from Marina Del Rey, Ca.
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J Stone Living looks forward to providing you with the highest level of service and the best mortgage products available anywhere. Give us a call and find out what we can do for you.
Call Us Toll Free (866)-535-0899
