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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.

Apply Now!



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.

Apply Now!

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

    Apply Now!

  • 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!

    Apply Now!

  • 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

    Apply Now!

  • 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!

    Apply Now!

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.

2022 Conforming Loan Limits in California:

Here are the 2022 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.

Apply Now!
Mortgage Calculator
County One-Unit Two-Unit Three-Unit Four-Unit
ALAMEDA $970,800 $1,243,050 $1,502,475 $1,867,275
ALPINE $647,200 $828,700 $1,001,650 $1,244,850
AMADOR $647,200 $828,700 $1,001,650 $1,244,850
BUTTE $647,200 $828,700 $1,001,650 $1,244,850
CALAVERAS $647,200 $828,700 $1,001,650 $1,244,850
COLUSA $647,200 $828,700 $1,001,650 $1,244,850
CONTRA COSTA $970,800 $1,243,050 $1,502,475 $1,867,275
DEL NORTE $647,200 $828,700 $1,001,650 $1,244,850
EL DORADO $675,050 $864,200 $1,044,600 $1,298,200
FRESNO $647,200 $828,700 $1,001,650 $1,244,850
GLENN $647,200 $828,700 $1,001,650 $1,244,850
HUMBOLDT $647,200 $828,700 $1,001,650 $1,244,850
IMPERIAL $647,200 $828,700 $1,001,650 $1,244,850
INYO $647,200 $828,700 $1,001,650 $1,244,850
KERN $647,200 $828,700 $1,001,650 $1,244,850
KINGS $647,200 $828,700 $1,001,650 $1,244,850
LAKE $647,200 $828,700 $1,001,650 $1,244,850
LASSEN $647,200 $828,700 $1,001,650 $1,244,850
LOS ANGELES $970,800 $1,243,050 $1,502,475 $1,867,275
MADERA $647,200 $828,700 $1,001,650 $1,244,850
MARIN $970,800 $1,243,050 $1,502,475 $1,867,275
MARIPOSA $647,200 $828,700 $1,001,650 $1,244,850
MENDOCINO $647,200 $828,700 $1,001,650 $1,244,850
MERCED $647,200 $828,700 $1,001,650 $1,244,850
MODOC $647,200 $828,700 $1,001,650 $1,244,850
MONO $647,200 $828,700 $1,001,650 $1,244,850
MONTEREY $854,450 $1,093,850 $1,322,200 $1,643,200
NAPA $897,000 $1,148,350 $1,388,050 $1,725,050
NEVADA $647,200 $828,700 $1,001,650 $1,244,850
ORANGE $970,800 $1,243,050 $1,502,475 $1,867,275
PLACER $675,050 $864,200 $1,044,600 $1,298,200
PLUMAS $647,200 $828,700 $1,001,650 $1,244,850
RIVERSIDE $647,200 $828,700 $1,001,650 $1,244,850
SACRAMENTO $675,050 $864,200 $1,044,600 $1,298,200
SAN BENITO $970,800 $1,243,050 $1,502,475 $1,867,275
SAN BERNARDINO $647,200 $828,700 $1,001,650 $1,244,850
SAN DIEGO $879,750 $1,126,250 $1,361,350 $1,691,850
SAN FRANCISCO $970,800 $1,243,050 $1,502,475 $1,867,275
SAN JOAQUIN $647,200 $828,700 $1,001,650 $1,244,850
SAN LUIS OBISPO $805,000 $1,030,550 $1,245,700 $1,548,100
SAN MATEO $970,800 $1,243,050 $1,502,475 $1,867,275
SANTA BARBARA $783,150 $1,002,600 $1,211,900 $1,506,100
SANTA CLARA $970,800 $1,243,050 $1,502,475 $1,867,275
SANTA CRUZ $970,800 $1,243,050 $1,502,475 $1,867,275
SHASTA $647,200 $828,700 $1,001,650 $1,244,850
SIERRA $647,200 $828,700 $1,001,650 $1,244,850
SISKIYOU $647,200 $828,700 $1,001,650 $1,244,850
SOLANO $647,200 $828,700 $1,001,650 $1,244,850
SONOMA $764,750 $979,000 $1,183,400 $1,470,700
STANISLAUS $647,200 $828,700 $1,001,650 $1,244,850
SUTTER $647,200 $828,700 $1,001,650 $1,244,850
TEHAMA $647,200 $828,700 $1,001,650 $1,244,850
TRINITY $647,200 $828,700 $1,001,650 $1,244,850
TULARE $647,200 $828,700 $1,001,650 $1,244,850
TUOLUMNE $647,200 $828,700 $1,001,650 $1,244,850
VENTURA $851,000 $1,089,450 $1,316,900 $1,636,550
YOLO $675,050 $864,200 $1,044,600 $1,298,200
YUBA $647,200 $828,700 $1,001,650 $1,244,850

WATSON CAPITAL MORTGAGE INC. 
2950 Buskirk Ave Suite #300
Walnut Creek, Ca 94597
Office: (866) 434-1550
E-Fax: (888) 984-3511
Email: Bradwatson@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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