California First Time Home Buyer

It's a Great Time to be a First Time Home Buyer in Ameirca!

Buying Your New Home Today May be Cheaper Than Renting!

Why Buy a Home Today!

If you are a first time home buyer please think of everything that you have available to you to purchase your new home instead of renting.

  • $8,000 Tax Credit: The government will cut you a check for $8,000 or 10% of the sales price, whichever is less, if you qualify for the First Time Home Buyer Tax Credit. Click here for more information on the $8,000 Tax Credit
  • 100% Financing: You can still buy a home in Florida with Zero Down by using a program called USDA Rural Development or USDA Home Loans. Click Here for more information on this No Money Down Loan.
  • FHA Mortgage: An FHA Home Loan has a low 30 year fixed rate and allows you to use a gift from a family member for your 3.5% down payment. Click Here for more information on our FHA Mortgage.
  • Real Estate is on sale! Home prices are at a 9 year low and coupled with some of the lowest mortgage rates we have seen in years your payment will be cheaper than rent. Click Here to search 1.000's of Florida homes using our Free Home Search.
  • Rent vs. Own: Use our Free Mortgage Calculator to compare your new mortgage payment to the amount of rent you pay now. If your new mortgage payment it will only make sense to purchase your new home. Stop throwing your money out the window and click here to use our Free Mortgage Calculator! 

Who is YMS?

YMS is Continental mortgage Service DBA Your Mortgage Shop and Your Money Solution. We are a California based Financial Service Company and Mortgage Broker providing Purchase Mortgage Financing, Mortgage Refinancing, 2nd Mortgages, Debt Consolidation, Debt Settlement and Loan Modification. YMS is a strategically alined company which enables us to provide some of the best nation wide financial services through its affiliates.  We are located at One Orchard Rd. Suite 130, in beautiful Lake Forest, Ca. 92630.
Click Here to read what our clients have said about us: YMS Testimonials.
Please call Mr. Ellis today at 800-376-9680 ext. 203 So we may answer any of your questions or concerns and you can also use our
Ask An Expert service and one of our Finance Professionals will be happy to help.

The Best refinance program in Orange County offering service for San Juan Capistrano refinance, Laguna Niguel refinance, Aliso Viejo refinance, Mission Viejo refinance, Laguna Hills refinance, Lake Forest refinance, Rancho Santa Margarita refinance, Huntington Beach refinance, Irvine refinance, Tustin refinance, Costa Mesa refinance, Fountain Valley refinance, Santa Ana refinance, Orange refinance, Placentia refinance, Yorba Linda refinance, Brea refinance, Anaheim refinance, Anaheim refinance, Fullerton refinance, La Habra refinance.


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