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OwnTheDream Lending

Home loans from someone you already trust.

Buying, refinancing, taking cash out or planning for retirement. Angela can help with the loan too.

Purchase loans

Loans to buy your first home, your next home or an investment property.

Refinancing

Lower your payment, change your loan term or take cash out.

Reverse mortgages

For homeowners 62 and older. Turn part of your home's value into cash and stay in your home.

Mortgage loans

Help picking the right loan, with clear costs and no surprises at closing.

Family buyouts

Keep the family home and buy out brothers, sisters or an ex-spouse.

Simple process

Clear steps, clear costs and one person to call with questions.

Our lending partners

We can compare more than one lender for you.

OwnTheDream Lending is a Rocket Mortgage partner and also works with Brokers Advantage Mortgage, so we can compare more than one lender for you.

OwnTheDream Lending · Company NMLS #2273731 · Angela Artiga, NMLS #1992334 · Equal Housing Lender. This is not a loan offer or commitment. All loans are subject to credit approval.

Free tools

Run your numbers

Calculator

Monthly payment calculator

See about what a home would cost each month, with California property tax and insurance included.

Loan amount
Principal and interest
Property tax
Insurance
Mortgage insurance (less than 20% down)
HOA
About your monthly payment

This is a rough estimate to help you plan. It is not a quote, an appraisal or tax advice. Angela can give you real numbers for your home.

Calculator

How much house can I afford?

A quick guess based on your income and monthly debts. A loan officer can give you the real number.

Comfortable price
Monthly payment at that price
Stretch price
Monthly payment at that price

Comfortable = all debts about 36% of income. Stretch = about 43%. 30-year loan.

Get pre-approved

This is a rough estimate to help you plan. It is not a quote, an appraisal or tax advice. Angela can give you real numbers for your home.

Calculator

Refinance and cash-out

Compare your loan today with a new one. See your new payment, any cash you take out, and when it pays off.

Payment now (principal + interest)
New payment
Monthly change
New loan amount
Closing costs paid back in

Assumes closing costs are paid in cash. Taxes and insurance not included.

This is a rough estimate to help you plan. It is not a quote, an appraisal or tax advice. Angela can give you real numbers for your home.

Quick quiz

Could a reverse mortgage work for me?

Six yes-or-no questions. No numbers, no personal info.

Is the youngest owner 62 or older?
Is this home where you live most of the year?
Do you own the home outright, or owe less than about half of what it's worth?
Can you keep paying property tax, insurance and upkeep?
Is it a house, a townhome, an approved condo, or a 2-4 unit home you live in?
Are you current on any federal debts (like federal student loans or IRS payment plans)?

This quiz is a first check only. A reverse mortgage (HECM) needs a talk with a HUD-approved counselor before you apply, and every loan is subject to approval.

Have a loan question?

Call and ask. A two-minute talk can save you a lot of money.

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