What is the meaning of the phrase, “in the black?”

From the use of black ink in financial statements to indicate a profit. The phrase, “in the black” refers to being financially solvent or profitable. Conversely, “in the red” means to be in debt.  Something ‘Inked In’ is something permanent as opposed to using a pencil with markings that can be erased.  

When you work with Black Ink Mortgage, you are working with a Mortgage Broker with an outstanding reputation for always looking out for the client’s best interest.  ‘We do not offer loans that we do not believe in and would not accept ourselves’.

Qualifying For Your Home Loan is STEP #1

The entire state of California, has so much to offer. Those of us who live and work here know how fortunate we are to be in this geologically and culturally diverse state. There is so much to explore and do here that you’ll never run out of options for family entertainment, nightlife, dining, or outdoor recreation.

THE MOST IMPORTANT STEP PRIOR TO working with a Realtor in finding your dream home is to Get Pre-Approved for a Home Loan.  By doing this, you’ll have a much better idea of what home price ranges to look at. When you get Pre-Approved, you’ll know what amounts to expect for your down payment and your monthly payments, including property tax and insurance.  Our Approval Process is Quick & Easy. Call or Apply online and receive Same Day Approval*

Whether you currently own a home or are looking to buy a home, we’re here to help with a new home loan.  Backed by over 25 years Lending Experience, we’ll make sure you not only are offered great rates but we’ll make sure your transaction goes smoothly  from start to finish.

Get Pre-Approved for a home loan through our home lending services. It’s FREE, FAST and EASY, and there’s no obligation to use our loan services. We simply make this available as a convenience and fast source to obtain a quick Loan Approval for your Realtor.  If you are refinancing, we can LOCK the terms as soon as you are happy with the quote received. Applying through GoToHome’s affiliate – Black Ink Mortgage, qualifies you for our No Appraisal Fee Guarantee.  Call for details.

Or Call Direct 949.348.0669

Fixed Or Adjustable?

While you explore houses for sale in California, think about the type of loan you want to get. With an adjustable-rate mortgage (ARM), your interest rate will adjust periodically based on fluctuating market conditions. In a fixed-rate mortgage, the interest rate is set at a percentage that remains unchanged for the life of the loan. The term for a fixed-rate loan can be anywhere from 10 to 30 years.  We are licensed professional experts and can explain the various loan options available.


Higher Loan Amounts Now Available

Fannie Mae has increased it’s Home Loan Lending Limits which means qualifying for loans up to $726,525 are easier than ever!


Secure Rates While You Search

Another great thing to do while you search for your dream home is to secure your rates. If you’re concerned about interest rates going up before you make an offer on a property, then consider locking in today’s competitive rates. Another benefit of securing your rates now is that you’ll be Pre-approved for a loan.


Contact the Broker DIRECT to Get Started

You can talk with the Loan Broker Direct at 949-348-0669 to learn more about mortgage loan options and considerations. Whether you’re looking to Buy or Refinance a home, we’re here to help. Our Directory of Top Notch Realtors are ready to show you what our beautiful communities have to offer. Whether you’re searching for homes for sale in Newport Beach, San Clemente,  Laguna Beach, Irvine, or any other Orange County city, OC|RealtorDIRECT has the best real estate agents to help you. Find a Realtor today!

*Same Day Approval applies when calling or applying on line Monday – Friday before 11:00 AM PST.  Applications received after this time will be processed
the next business day.