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Purchasing Your Home

Purchasing Your Home

From first time homebuyers to seasoned homeowners and real estate investors, we have the mortgage to fit your needs.

From first time homebuyers to seasoned homeowners and real estate investors, we have the mortgage to fit your needs.



Watson Capital Mortgage specializes in the following mortgage products within California:

1). Conforming Loans
2). High Cost Conforming Loans
3). Jumbo Loans
4). First Time Homebuyer Loans (97% LTV)
5). Non-QM Loans
6). Bridge Loans

We know first time homebuyers, or even previous homeowners may experience a whole range of emotions from excitement to apprehension. We are here to guide you through every step of the home buying process from helping choose the best loan option to answering any questions you may have.

What to expect…

  • You have decided to purchase a new home

    Here is where you start
    Fill out our online mortgage application!

    We will contact you to:
    ~Discuss your expectations
    ~Understand your goals
    ~Setup your file

  • Submit for Pre-Approval

    Once your application is complete:

    ~We run your file for pre-approval and loan eligibility
    ~Receive your pre-approval letter from Watson Capital Mortgage

    Start your home search!

  • Offer Accepted

    After you’re pre-approved:

    ~Write purchase offer on your dream home
    ~Your offer & terms accepted by seller
    ~Escrow opened & any 3rd party inspections ordered

  • Approved

    After your offer has been accepted:

    ~Update Watson Capital Mortgage with personal documentation
    ~Re-run file with updated contract terms and conditions for final approval
    ~Receive final loan approval

  • Close Mortgage

    ~Bring any of your required funds into escrow
    ~Sign your final loan documents
    ~Loan funds and records

    CONGRAT’S… YOU ARE A HOMEOWNER NOW!

    We appreciate your referral of any friends, family, & co-workers to Watson Capital Mortgage!

  • You have decided to purchase a new home

    Here is where you start

    Fill out our online mortgage application!

    We will contact you to:

    ~Discuss your expectations
    ~Understand your goals
    ~Setup your file

  • Submit for Pre-Approval

    Once your application is complete:

     

    ~We run your file for pre-approval and loan eligibility
    ~Receive your pre-approval letter from Watson Capital Mortgage

     

    Start your home search!

  • Offer Accepted

    After your pre-approval is accepted:


    ~Write purchase offer on your dream home
    ~Your offer & terms accepted by seller
    ~Escrow opened & any 3rd party inspections ordered

  • Approved

    Your offer has been accepted:


    ~Update Watson Capital Mortgage with personal documentation

    ~Re-run file with updated documents & contracts for final approval

    ~Receive final loan approval

  • Close Mortgage

    ~Bring any of your required funds into escrow
    ~Sign your final loan documents
    ~Loan funds and records

    CONGRAT’S… YOU ARE A HOMEOWNER NOW!

    We appreciate your referral of any friends, family, & co-workers to Watson Capital Mortgage!

What you may want to know about your new home.

 
  • How long you are planning to own your home? If you are planning to own your new home for fewer than 5 years, find out if there are any projects that could affect your property value at the time you plan on selling.
  • Does the home need major repairs?  What upcoming repairs should you plan for in the next few years. This could include water heater, furnace, roof, etc.
  • Location? Are you close to the shopping, schools, or activities you do often? 
  • What can you expect to pay on utilities? Your monthly budget of utilities will need to be considered. 
  • What repairs have been done by current owners? You may want to ask about recent repairs or any they were planning to do in the near future.
  • What have comparable homes sold for in the area? This helps give you a range of what the home may be worth.

2021 Conforming Loan Limits in California:

Here are the 2021 Conforming limits for all 58 counties in California. “One-Unit” refers to a property with one structure (ie a Single Family Residence – SFR, condo, townhouse, PUD.), “Two-Unit” is a Duplex, etc. Higher loan limits allows more people to qualify for the best available mortgage rates. The Federal Housing Finance Agency (FHFA) updates their conforming loan limits every year.

County State One-Unit Two-Unit Three-Unit Four-Unit
ALAMEDA CA  $822,375  $1,053,000  $1,272,750  $1,581,750
ALPINE CA  $548,250  $702,000  $848,500  $1,054,500
AMADOR CA  $548,250  $702,000  $848,500  $1,054,500
BUTTE CA  $548,250  $702,000  $848,500  $1,054,500
CALAVERAS CA  $548,250  $702,000  $848,500  $1,054,500
COLUSA CA  $548,250  $702,000  $848,500  $1,054,500
CONTRA COSTA CA  $822,375  $1,053,000  $1,272,750  $1,581,750
DEL NORTE CA  $548,250  $702,000  $848,500  $1,054,500
EL DORADO CA  $598,000  $765,550  $925,350  $1,150,000
FRESNO CA  $548,250  $702,000  $848,500  $1,054,500
GLENN CA  $548,250  $702,000  $848,500  $1,054,500
HUMBOLDT CA  $548,250  $702,000  $848,500  $1,054,500
IMPERIAL CA  $548,250  $702,000  $848,500  $1,054,500
INYO CA  $548,250  $702,000  $848,500  $1,054,500
KERN CA  $548,250  $702,000  $848,500  $1,054,500
KINGS CA  $548,250  $702,000  $848,500  $1,054,500
LAKE CA  $548,250  $702,000  $848,500  $1,054,500
LASSEN CA  $548,250  $702,000  $848,500  $1,054,500
LOS ANGELES CA  $822,375  $1,053,000  $1,272,750  $1,581,750
MADERA CA  $548,250  $702,000  $848,500  $1,054,500
MARIN CA  $822,375  $1,053,000  $1,272,750  $1,581,750
MARIPOSA CA  $548,250  $702,000  $848,500  $1,054,500
MENDOCINO CA  $548,250  $702,000  $1,272,750  $1054,500
MERCED CA  $548,250  $702,000  $848,500  $1,054,500
MODOC CA  $548,250  $702,000  $848,500  $1,054,500
MONO CA  $548,250  $702,000  $848,500  $1,054,500
MONTEREY CA  $739,450  $946,650  $1,144,250  $1,422,050
NAPA CA  $816,500  $1,045,250  $1,263,500  $1,570,200
NEVADA CA  $548,250  $702,000  $848,500  $1,054,500
ORANGE CA  $822,375  $1,053,000  $1,272,750  $1,581,750
PLACER CA  $598,000  $765,550  $925,350  $1,150,000
PLUMAS CA  $548,250  $702,000  $848,500  $1,054,500
RIVERSIDE CA  $548,250  $702,000  $848,500  $1,054,500
SACRAMENTO CA  $598,000  $765,550  $925,350  $1,150,000
SAN BENITO CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SAN BERNARDINO CA  $548,250  $702,000  $848,500  $1,054,500
SAN DIEGO CA  $753,250  $964,300  $1,165,600  $1,448,600
SAN FRANCISCO CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SAN JOAQUIN CA  $548,250  $702,000  $848,500  $1,054,500
SAN LUIS OBISPO CA  $701,500  $898,050  $1,085,550  $1,349,050
SAN MATEO CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SANTA BARBARA CA  $660,100  $848,050  $1,021,450  $1,269,450
SANTA CLARA CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SANTA CRUZ CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SHASTA CA  $548,250  $702,000  $848,500  $1,054,500
SIERRA CA  $548,250  $702,000  $ 848,500  $1,054,500
SISKIYOU CA  $548,250  $702,000  $848,500  $1,054,500
SOLANO CA  $550,850  $705,200  $852,400  $1,059,350
SONOMA CA  $707,250  $905,400  $1,094,450  $1,360,100
STANISLAUS CA  $548,250  $702,000  $848,500  $1,054,500
SUTTER CA  $548,250  $702,000  $848,500  $1,054,500
TEHAMA CA  $548,250  $702,000  $848,500  $1,054,500
TRINITY CA  $548,250  $702,000  $848,500  $1,054,500
TULARE CA  $548,250  $702,000  $848,500  $1,054,500
TUOLUMNE CA  $548,250  $702,000  $848,500  $1,054,500
VENTURA CA  $739,450  $946,650  $1,144,250  $1,422,050
YOLO CA  $598,000  $765,550  $925,350  $1,150,000
YUBA CA  $548,250  $702,000  $925,350  $1,150,500

WATSON CAPITAL MORTGAGE INC. 
2950 Buskirk Ave Suite #300
Walnut Creek, Ca 94597
Office: (866) 434-1550
E-Fax: (888) 984-3511
EmailBradwatson@wcmrates.com 
Digital Business Card
CA DRE Broker Lic #01785845
Company NMLS #2061728
CA Corporate License #4638041

Watson Capital Mortgage, Inc. is an independent mortgage brokerage company licensed to originate mortgage loans in the state of Califoria. Watson Capital Mortgage, Inc. supports Equal Housing Opportunity. Terms, interest rates, fees, promotions, and/or products listed above are subject to change or cancelation without notice and may or may not be available at the time of mortgage commitment or at the time of rate lock by either Watson Capital Mortgage or any third party company we work with.

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