Financial Concepts, Inc. is a full service Real Estate, Mortgage Brokerage, Tax Preparation and Financial Services company. We focus on a wide variety of clients with the ability to meet virtually most anyone’s needs.
Our real estate division specializes in residential, investment and relocation properties for both buyers and sellers serving the Bay Area including but not limited to Marin, Napa, Sonoma and Solano Counties. Because we have grown with our communities, our real estate professionals have intimate knowledge of each community’s character, mood, and growth potential. Due to the fact that our associates live in the communities we serve, they can readily meet the unique challenges and problems families encounter when selecting their new homes.
As professionals in the real estate, mortgage lending, and financial services industries, we’ve built our reputation on providing outstanding service to our clients. That means you can count on us to always look out for your best interests, and to keep you informed throughout every step of the way. It is our goal to help you cut through the clutter and noise of the real estate and mortgage industry, in addition to creating an effortless and straightforward process in the tax planning, preparation and financial services industry.
We are a company of people. . . and it is because of these dedicated people that you can feel confident that all of your real estate, mortgage and financial needs will be handled in a most trustworthy, professional and efficient manner.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154