RJ Laffins

Loan Officer
NMLS ID# 1513373

300 Salem Street
Chico, CA 95928
Branch NMLS ID# 845308
(530) 924-4432 Direct Phone
(530) 321-9519 Cell
(530) 924-4431 Fax
rj.laffins@summitfunding.net

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Technically, we're mortgage specialists,
but we make amazing stuff possible!

Purchasing a home should be exciting and joyful, not scary and confusing. That's where the team comes in. Call us dream makers, call us loan officers, call us when you're in a panic, we're here to help fulfil your dream of homeownership and keep you smiling the whole way.

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You may qualify for a house
for less than your monthly
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SUMMIT INSIGHTS

New Rules on how Credit Impacts You

May 29th, 2018

On the 8th of June, there will be changes on how your credit is reported. These include: • Collections that aren’t at least 180 days old will be rejected by the 3 major credit bureaus. You will now have time to pay them off before it is even reported. • Medical collections will no longer show on credit reports as long as it is being paid (through either you or insurance) • Collection accounts that have not been updated in six months or more will not be factored into[...]

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Why It's So Important To Get The 411 On A Neighborhood Before Buying A Home

May 16th, 2018

When buying a new home, the neighborhood is every bit as important as the house itself. So, you need to check it out. Thoroughly. Yes, you look at the schools and you figure out how close the nearest Target is and you also (hopefully) research crime reports and take a look at sex offender maps of the areas you are considering. But is that enough? When it comes to researching your neighborhood, what you don't know can hurt you. What if you bought a house in this Arlington, TX[...]

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When a 3-5% down payment isn't a risk

April 18th, 2018

Demystifying the low down payment mortgage. Becoming a homeowner is a huge milestone in many people’s lives, but it can be hard to know when you’re ready. At Better, we've found that many people don't take the next step because of how daunting it can seem to save up for a large down payment. We want to help you see yourself as a homebuyer by giving you accurate, transparent information about your financing options. In addition to eliminating unfair commission structures, lender[...]

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