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About Me

Loan Officer · NMLS 281572

Paul Laterza is a Branch Manager and Sr. Loan Officer offering real estate financing services as a local direct lender and mortgage banker. His organization’s management and control over the complete loan process allows him to provide a wide variety of lending options, such as FHA Government Program, Conventional, Jumbo, Portfolio lending, and more.

Paul has been working in the mortgage industry since 1998 and became a mortgage consultant in 2002 after graduating from Saint Mary’s College of California with a B.S. in Business Administration and Economics. From the beginning, he has received many awards for his level of production and achievements including “Rookie of the Year,” “Most Inspirational Loan Officer,” and “President & Platinum Awards” for several years. Most recently he was honored with the Five Star Professional Award.

His vast experience in the field offers him the necessary elements to provide outstanding service and knowledge in real estate financing.

Paul Laterza is the author of “Your Key to a Successful Financing,” a unique book which offers resources that will help you simplify the loan process and benefit from mortgage programs. This book prepares you with the essentials for a loan approval and how to improve your credit. It describes government loans, such as with no money down or with funds to repair your home, and ways to get down payment assistance. You'll learn about credit towards closing costs, lowering your rate & its cost, tax credits, buying foreclosures, and much more. Contact Paul to obtain a copy of “Your Key to a Successful Financing.”

My Location

North Gate 10 Pointe Drive, Suite 330, Brea, CA 92821

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Paul Laterza's
OVERALL RATING

4.9/5.0   Total 37 reviews

  • "We've worked..."

    We've worked with Paul since we first purchased our home 11 years ago. He's helped us refinance a couple of times and has given us great recommendations on programs that's benefited us financially. His professionalism and service has never faltered and is always consistent. He's honest and always meets our needs. We really appreciate and value Paul's ethics and knowledge. We can always count on him to guide us in the right direction. Paul is the only person we trust with our financial home needs. We stand by Paul no matter what!

    Mark

  • "Paul es una gran..."

    Paul es una gran persona , muy paciente , accesible , explica muy bien todas las dudas , me agrado haber sido asesorada por el , estoy pensando volver a tenerlo en la próxima vez que compre otra propiedad . Gracias Paul por toda tu ayuda , y te recomendaría con mis amigos . Esta es mi segunda propiedad y con las personas que me ayudaron no quede satisfecha , así que encontré a Paul y definitivamente estoy muy agradecida con Paul .

    Maria

  • "Muy amable, buena..."

    Muy amable, buena comunicación y muchos buenos consejos. Muy buena persona.

    Denis

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Top Stories

Sustainable Home Ideas

Apr 14, 2022

April 22nd is Earth Day, but you can make your home sustainable 24/7, 365. We’ve included some ideas on making your home a little more eco-friendly. Use low energy consumption appliances. Sustainable house design is also about filling your home with appliances that consume lower energy. It is better for the environment, but it will also significantly reduce your energy bills, or let you run your home on renewable energy. At a minimum, look for Energy Star-rated appliances – this should cover everything from computers and TVs to kitchen appliances and water heaters. Switch to LED LED lighting is also much more energy-efficient and lasts much longer. Even though it requires a larger upfront investment, this pays itself off over time because you won’t need to change your LED light bulbs for years! Another fun bonus to LED lighting is that many bulbs are paired with innovative home technology; you can pair them with Alex or Google home devices or even change the color of your lighting with your phone. Incorporate smart home technology Along with low energy consumption appliances, using smart home technology can also help to make your home more eco-friendly. For example, smart home systems have features such as automated lighting, temperature, and security controls which allow you to make your energy use as efficient as possible. Most smart home systems also allow you to monitor the amount of energy you use, helping you to live more efficiently and use less electricity. Try an eco-friendly lawn alternative. Grass may be a popular lawn option, but it is also water-intensive, challenging to maintain, and can cause allergies. There are plenty of grass alternatives that are not only better for the environment and your health, but many need little to no maintenance.

Sprucing up for Spring

Mar 03, 2022

Whether you’re getting your home ready to sell or you just want to tackle some basic spring cleaning, these tips will energize your home for warmer weather. 1) Wash Windows and Freshen Window Treatments Windows often take the brunt of winter weather, keeping out cold winds and catching winter dust, dirt, and even salt from the roads. Your first step in spring cleaning should be to wash the inside and outside of your windows. You’ll be amazed at how much more light can enter a space when the windows are clean! 2) Clear Your Gutters’ Downspouts Dirty gutters are an eyesore and a liability not only for you but for potential buyers, as well. Cleaning your gutters will take roughly 15-30 minutes, but will save you money in the long run. You can avoid flooding during spring rains by clearing gutters of all rubbish using a ladder, a small hand rake, and a hose. 3) De-Clutter for Spring! Spring is the perfect time to pare down the clutter that’s been accumulating in your home. Before you get started, make a room-by-room plan so that you don’t feel overwhelmed by the prospect of de-cluttering your entire home—know that you don’t need to do everything in one day or even in one weekend. 4) Repair Windows and Screens Replace damaged and warped screens so that you can enjoy warm spring breezes without being bothered by bugs and other critters. If you had a particularly rough winter, you’ll want to recaulk windows and inspect them for water damage and rot.

What Are Construction Loans?

Feb 04, 2022

What Are Construction Loans? If you cannot find the right home to buy, you might be thinking about how much it will cost to build a new house or renovate the one you currently call home. The process of borrowing the money to pay for this project is different from getting a mortgage to move into an existing property. A construction loan is a short-term loan that covers only the costs of custom home building. This is different from a mortgage, and it is considered specialty financing. Once the home is built, the prospective occupant must apply for a mortgage to pay for the completed home. Construction loans typically are one year in duration. During this time, the property must be built, and a certificate of occupancy should be issued. Some things to consider: - Check your credit score first - Ask for a reputable builder - Depending on the loan type, consider what down payment you may need. At American Financial Network, we offer multiple types of Construction Loans, including FHA, Renovation, and USDA. If you decide to go with a construction loan, make sure to reach out to one of our Loan Officers to learn more and decide what is best for you. American Financial Network, Inc. is not acting on behalf of or at the direction of the federal government, and this offer is not being made by an agency of the government. Programs not available in all areas. Additional terms and conditions may apply.