Home Inspection Services:

Napa Valley Home Inspections, Owner Michael Phegley:

http://www.napavalleyhomeinspections.com/

 

Pest Inspection Services:

Doug's Bugs, Justin, Inspector:

http://www.dougs-bugs.com/

 

Lenders:

Sonoma Federal Credit Union, Ashlee Delfino, Loan Officer, 707-527-6216

For in-house loan program - min. 35% down, min. credit score of 650, any age home; OR

For loans brokered through Triad - lower down payment required (as little as 5%), but home needs to be built after mid-1976

Sonoma Fed also has a bridge loan program for accessing equity in an existing home in order to buy a replacement home for cash prior to selling the existing home.

http://sonomafed.com/

Community First Credit Union, Sue Black, 949-939-4330

Min. 20% down, any age home (provided older homes have been updated).  Fixed rate loan of 7.5%, with minimal loan origination fees

http://comfirstcu.org

Loan Broker (to access nation-wide lenders like 21st Mortgage, Triad, CU):

Great option for Buyers with ITIN, and/or low down payments or credit scores, older homes, and/or buyers who prefer to work with Spanish speakers.

Santiago Financial, Loan Officer Cindi Lilly, 714-731-8080, ext 106, cindi@santiagofinancial.com :

http://www.santiagofinancial.com/

To get a rough estimate of how much of a loan you qualify for, follow the steps in this informative video:

https://www.youtube.com/watch?v=HMvgUIvacPo

 

Title/Escrow:

Fidelity National Title:

Jill Woods or Jordan Atkinson, Title/Escrow Officer; 707-544-1771; Jill.Woods@FNF.com; 600 Bicentennial Way, #300, Santa Rosa, CA 95403

 

Insurance Companies:

Weibel Insurance:  (economical choice if you need flood insurance coverage too)

http://www.camobilehomeinsurance.com/  

 

Appraiser:

3-D Appraisals, Doug Daynes, 916-316-6036, doug@3-dappraisal.com, http://www.3-dappraisal.com/ 

 

Home Warranty:

American Home Shield  OR  Fidelity National Home Warranty