More than mortgages - Facilitating home ownership, building confidence, and engendering community.
MMLS #2703313
Andy Boron
MMLS ID # #349706 DRE ID # 01337996
The Right Loan forYou
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First Time Home Buyer
Buying your first home is an exciting milestone, and our First Home Buyer Loan is designed to make it easier for you. With competitive interest rates, low down payment options, and flexible terms, this loan helps turn your dream of homeownership into reality. Plus, you may qualify for special programs that can reduce upfront costs and provide valuable support throughout the process. Let Meadowcreek Mortgage Lending Services guide you every step of the way toward
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Home Refinance
Refinancing your home can lower payments, reduce your interest rate, or let you access your home’s equity. Whether you want to shorten your loan, switch mortgage types, or fund major expenses, refinancing offers flexibility. At Meadowcreek Mortgage Lending Services, we provide friendly, personalized support to help you compare rates, understand costs, and make the best financial choice. Contact us to explore your options and see how much you can save.
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Home Equity Loans
A home equity loan allows you to borrow against the equity you've built up in your home. It provides a lump sum of money with a fixed interest rate and fixed monthly payments, making it a straightforward way to finance major expenses like home improvements, debt consolidation, or education. Since your home serves as collateral, these loans often come with lower interest rates compared to unsecured loans. At Meadowcreek Mortgage Lending Services, we guide you through every step, ensuring you understand the terms and help you find the best option to fit your financial needs.
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FHA and VA Loans
FHA and VA loans make buying a home easier for certain buyers with better terms.
FHA Loans
Backed by the government, FHA loans are great for first-time buyers or those with lower credit scores. They need as little as 3.5% down and allow higher debt levels.VA Loans
For eligible veterans, active-duty, and some Guard/Reserve members, VA loans have no down payment, no private mortgage insurance (PMI), low rates, and low closing costs.VA loans usually cost less and offer more benefits, but FHA loans are a good option if you don’t qualify for VA.
My mission is to empower individuals and families to achieve their goals through home ownership and refinancing. I strive to provide clear guidance, personalized mortgage solutions, and unwavering integrity to make the lending process simple and transparent. Beyond financial benefits, I believe a home brings stability, pride, and connection—strengthening both my clients’ lives and the communities we serve
How I Help
Client Testimonials
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“I’ve had the pleasure of working with Andy Boron on the purchase of my last three homes, and I can’t recommend him highly enough. Andy is incredibly easy to talk to—he takes the time to understand your goals and explains every step of the mortgage process in a way that’s clear and reassuring. If you’re looking for a mortgage broker who’s knowledgeable, communicative, and truly invested in your success, Andy is the one to call.”
Bobby Jo Peifer
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“I have been a client of Andy's since 2016 and have had the confidence to refer him to many of my clients. Being in the customer service industry myself, I can appreciate the vast knowledge Andy has and his ability to guide each client based on their individual needs. Whether you are a first time buyer, looking to refinance, buy an investment property or looking for real estate financial advice, Andy is your go to for accurate information. ”
Todd Kessler
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“I’ve referred countless buyers to Andy Boron because I know they’ll always receive exceptional service, honest rates, and clear guidance from start to finish. Andy's follow-up and ongoing support after closing are unmatched. As a real estate agent, I truly trust him with my clients and highly recommend him to anyone looking for a reliable, knowledgeable, and genuinely caring lender!.”
Catherine Watkinson
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“As first-time home buyers, we truly appreciated how clearly he explained everything and ensured we had all the information we needed to make confident, informed decisions. Andy's professionalism, patience, and genuine care made the entire process smooth and stress-free. We’re grateful for his support and highly recommend him to anyone looking for a reliable and knowledgeable mortgage lender.”
Felipe and Priscila Valdez
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"From day one Andy was personable, responsive, and honest. Something I can’t emphasize enough is the number of times Andy’s long-standing reputation as a trusted lender in the Santa Clarita Valley has helped me get responses to offers giving my clients an opportunity to get their offer accepted and move into a home they love! I witnessed firsthand the power of using a local trusted lender when clients insisted on a lender they may have found online."
Jerod Mayer
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“We've worked with Andy to refinance our home multiple times over the last 20 years, and we always turn to him because Andy is a person who gets genuine pleasure out of helping people succeed in getting and keeping their homes. Andy was a diligent, friendly advocate for our needs. He was clear, consistent and above all honest when assessing every avenue open to us in the process. We’ve recommended Andy to multiple friends, and they have all had the same great experience."
Judy Reilly and Rob Brousseau
FAQs
Why are mortgage rates so high?
Mortgage rates are influenced by a variety of factors that connect closely to the broader economy and financial markets. Here’s what affects them:
Economic Indicators: Strong economic growth often leads to higher mortgage rates, as demand for credit increases and inflation expectations rise. Conversely, during slowdowns or recessions, rates tend to fall.
Inflation: When inflation is high, lenders want higher interest rates to compensate for the declining purchasing power of future payments. Low inflation usually means lower mortgage rates.
Federal Reserve Policies: Although the Fed doesn’t set mortgage rates directly, its decisions on the federal funds rate influence overall interest rate trends. When the Fed raises rates, mortgage rates can increase as well.
Bond Markets: Mortgage rates often follow the yields on 10-year U.S. Treasury bonds. When investors seek safe assets, bond prices rise and yields drop, leading to lower mortgage rates.
Credit Risk: Borrowers with higher credit scores generally qualify for lower mortgage rates because they represent a lower risk to lenders.
Loan Type and Term: Fixed-rate loans generally have higher initial rates compared to adjustable-rate mortgages, but they offer stability. Longer terms may carry higher rates than shorter ones.
Housing Market Conditions: High demand for homes can put upward pressure on mortgage rates, while a slowdown in the housing market can do the opposite.
What’s a second mortgage?
A second mortgage is a loan taken out on a property that already has an existing mortgage. It allows homeowners to borrow against the equity they have built up in their home. Unlike the first mortgage, which is the primary loan used to buy the home, a second mortgage is subordinate to the first, meaning it will be paid off after the first mortgage lender if the property is sold.
Second mortgages can be used for many purposes, such as funding a business, investing in a creative project, or consolidating debt. They often come in two forms: a home equity loan (a lump sum) or a home equity line of credit (HELOC), which works like a credit card with a revolving balance.
In short, a second mortgage is a helpful financial tool that can provide access to cash for your ideas, projects, or needs, all secured by the value of your home.
Is it difficult to qualify?
Qualifying for a mortgage starts with meeting key criteria:
Credit Score: 620+ preferred; higher scores get better terms.
Income & Employment: At least 2 years of steady income or business history.
Debt-to-Income Ratio (DTI): Ideally under 43% to manage new payments.
Down Payment: Typically 3%-20% of the home's price.
Documentation: Financial records like tax returns, pay stubs, and bank statements.
How much can I get as a home equity loan?
The typical value of a home equity line of credit (HELOC) usually depends on the amount of equity you have in your home. Most lenders allow you to borrow up to 85% of your home's appraised value minus the remaining balance on your mortgage. For example, if your home is worth $300,000 and you owe $200,000 on your mortgage, you might qualify for a HELOC up to $55,000 [(300,000 x 0.85) - 200,000 = 55,000].
HELOC amounts vary greatly depending on the lender, creditworthiness, and local real estate market, but the average HELOC in the U.S. tends to range between $30,000 and $150,000. It's a flexible borrowing option ideal for home improvements, debt consolidation, or other major expenses.
Contact Andy
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