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Welcome to IMS LENDING, we are your home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

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  • Jason Gosselin was the best. He worked non stop and quickly to help me with my mortgage. I highly recommend him Sandra Derbin - October 20, 2019

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Instant Home Valuation

Renovations That May Help Your California Home Sell Faster California March 23, 2020

Renovations That May Help Your California Home Sell Faster

If you've decided to place your California home on the market, you likely want it to sell as quickly as possible. Partially, this is for your own convenience. More importantly, though, the longer that a house sits on the market, the lower its final price tends to be. Therefore, before you list your home, you…

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Simple Upgrades That Can Increase Your California Home’s Value California March 16, 2020

Simple Upgrades That Can Increase Your California Home’s Value

Most people take great pride in making their home more appealing, and homeowners can spend hundreds or thousands each year on improvements and alterations. One of the main things to consider when choosing an improvement project is how much value it could potentially add to your California residence. You also need to think about the overall…

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Home Improvement Projects With The Highest ROI California March 9, 2020

Home Improvement Projects With The Highest ROI

Curb appeal has a major impact on the return you'll see at resale. Among the top 10 home improvement projects with the highest return on investment (ROI) in Remodeling magazine's newly-released Cost vs. Value Report, nine are outdoor projects. Topping this year's list is Manufactured Stone Veneer, a project that has consistently ranked toward the…

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IMS Lending

3421 Tully Rd Ste A
Modesto, California 95350
(209) 440-5050
NMLS# 1475570

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Dimitri Dritsas Home Loans