FAQ
Where does Mardel Realty & Loans serve?
We are based in Hercules, California, and provide real estate services throughout the East Bay, including Contra Costa County, Alameda County, and Solano County. Our mortgage services are available to homeowners and buyers throughout California, offering a wide range of financing options to meet their needs.
What languages does the Mardel Realty & Loans team speak?
Our multilingual team provides service in English, Chinese, and Spanish.
What types of home loans are available for buyers?
We offer several mortgage options, including conventional loans, jumbo loans, FHA loans, VA loans, USDA loans, and non-QM loans. The best loan program depends on factors such as your income, credit history, down payment, property type, and financial goals.
What should first-time homebuyers know before purchasing a home?
First-time buyers should understand the full cost of homeownership, including mortgage payments, property taxes, insurance, maintenance, and closing costs. Our team helps first-time buyers understand their financing options and navigate each step of the home buying process.
What is mortgage refinancing?
Mortgage refinancing replaces your current home loan with a new mortgage, often to achieve a financial goal such as lowering your monthly payment, changing your loan term, accessing home equity, or switching to a different loan program.
When should I consider refinancing my mortgage?
Refinancing may make sense if you can benefit from a lower interest rate, want to reduce your monthly payment, need cash for home improvements or other expenses, or want to change the structure of your current loan.
How do I prepare my home for sale?
Preparing your home may include improving curb appeal, making repairs, staging key areas, and addressing issues that may affect buyer interest. Our team helps sellers develop a strategy to position their property competitively in the market.
How do you determine the value of my home?
We evaluate factors such as recent comparable sales, market conditions, property features, location, and buyer demand to help determine a competitive listing strategy.
