Welcome to Los Angeles
Cedarvane Branch

PMI protects the lender when your down payment is under 20%. It is usually bundled into your monthly payment and, on most conventional loans, drops off automatically once you reach 20% equity in your home.

Closing costs are the lender, title and government fees paid when your loan funds — typically 2–5% of the purchase price. You will receive a written estimate up front, so there are no surprises at the signing table.

Your advisor sends milestone updates by call, text and email — application received, appraisal ordered, underwriting approval and clear to close. You can also track every step in the CedarvaneNOW app.

Most closings happen at a local title office or by mobile notary. You will know the exact cash-to-close three days ahead, and funds must arrive by cashier's check or wire — personal checks cannot be accepted.

Origination covers the lender's cost of making the loan; discount points are optional prepaid interest that lower your rate. We will model both options side by side so you can see which saves you more over time.

Not at all. Reviewing or signing your application simply lets us verify numbers and lock in options. You are free to walk away any time before closing — though most buyers stay once they see the service.