MORTGAGE SERVICES • CALIFORNIA & ARIZONA
Mortgage guidance with Dan Paladin
Buying a home, refinancing, or financing an investment property? Dan Paladin helps first-time buyers, experienced homeowners, self-employed borrowers, and real estate investors explore financing that fits their goals.
Dan Paladin | The Paladin Team at Equity Smart Home Loans | NMLS #85410
Based in Long Beach, serving California and Arizona.
Financing for your next step
Home purchase & first-time buyers
Explore conventional, FHA, VA, jumbo, and available down payment assistance programs. Compare your down payment, cash needed to close, and estimated total monthly housing costs.
Refinance & home equity
Review refinance, HELOC, and home equity loan options for your objectives. Consider closing costs, the effect on your existing mortgage, and how long you expect to keep the loan.
Self-employed & alternative documentation
Discuss Non-QM and bank statement loan options when traditional income documentation does not reflect your borrowing needs. Documentation and eligibility vary by program.
Investment & commercial property
Explore DSCR, multifamily, mixed-use, and commercial real estate financing. Review the property type, rental income, financing structure, and required documentation.
Where mortgage planning and insurance meet
Insurance costs are part of the cost of owning a property. Reviewing coverage early can help you plan your budget and address lender requirements before closing. A change in property use—such as renting a home or adding an ADU—also deserves an insurance review.
Explore our homeowners insurance, landlord insurance, and policy review services, or visit our insurance questions and answers.
Mortgage & insurance questions
Is homeowners insurance the same as mortgage insurance?
No. Homeowners insurance covers specified property losses and other protections under the policy. Mortgage insurance generally protects the lender if a borrower defaults. They serve different purposes.
Can I choose my own homeowners insurance provider?
Yes. You can shop separately for homeowners insurance. The policy must meet your lender's applicable requirements. Ask about required coverage and proof of insurance early in the purchase or refinance process.
Does my mortgage payment include homeowners insurance?
It may. With an escrow account, your loan servicer collects money with your mortgage payment and pays insurance and property tax bills when due. Without insurance escrow, you pay the insurer directly. Confirm the arrangement for your loan.
Do I have to use Dan's insurance agency to get mortgage help?
No. Mortgage and insurance services are separate. You may choose your insurance provider, subject to lender requirements, whether or not you work with Dan on financing.
What should I bring to a mortgage consultation?
Start with your goal, property location and type, purchase price or estimated value, and timing. If you already have a loan, have your mortgage statement available. Dan can explain which income and asset documents are needed for the program you are considering. Use the secure application for personal financial information.
CFPB: homeowners insurance and mortgage requirements
Talk through your financing options
Schedule a mortgage consultation, explore the mortgage website, or begin a secure online application.
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