Homebuying & Financing in Murrieta
Buying a home in Murrieta or Temecula goes smoother when the home search and the financing plan move in step. This page explains how Team Integrity Realty guides the home search while Simmons Mortgage Solutions guides the financing, so you can shop with clear numbers and honest answers. We serve buyers across Murrieta, Temecula, Menifee, and Southwest Riverside County.
A home search with a clear plan for the numbers.
A home search feels different when you already understand your numbers. Before you spend weekends touring homes, it helps to know what monthly payment you can carry, which loan programs may fit your situation, and what your next step should be.
That is what this page is for: a plain-language starting point that connects the home search with the financing decisions behind it. You can read it top to bottom or jump straight to the question on your mind.
13+
years serving local buyers
250+
homes sold
1:1
financing conversations
Local guidance, connected
The home search and the financing plan work best when they work together. Your agent and your lender should be speaking the same language about price, payments, and timelines, so nothing gets lost between the offer you write and the loan you close.
Team Integrity Realty
The home search
Neighborhoods, pricing, inspections, offers, and escrow. Laura Holbert and the team guide the search side of your move, so you know what a home is worth and how to compete for it.
Simmons Mortgage Solutions
The financing
Pre-approval, loan program options, documentation, and the path to closing. Cole Simmons and his team handle the numbers side, so your purchase is backed by a loan that fits.
Honest Guidance. Confident Decisions.
We serve Murrieta, Temecula, Menifee, and Southwest Riverside County. No pressure and no jargon: just clear answers you can base a major decision on.
A simple place to start
You do not need a binder of paperwork to begin. Most buyers start with one conversation and take it from there.
Talk through your goals
Where you are today, where you want to be, and what a realistic timeline looks like for your move.
Explore financing options
Compare loan programs, monthly payment ranges, and what you may qualify for before you start touring.
Choose your next step
Pick the path that fits: get pre-approved, keep researching, or book a one-on-one conversation.
Financing paths to explore
Every buyer is different. These are the common paths we help people understand, with honest one-line descriptions of how each one works.
Conventional
Standard conforming loan requirements for qualified borrowers.
Jumbo
Loan amounts above standard conforming limits.
First-time buyers
Loan structures and assistance programs for your first home.
Self-employed buyers
Documentation guidance for business or variable income.
Investment & specialty loans
Financing for investment, construction, and renovation.
Estimate your monthly payment
Use our mortgage calculator to see how price, down payment, and rate shape your payment before you talk to anyone.
Two local resources, one coordinated plan
One team for the home, one team for the loan, and one plan that connects them. Both are local to Southwest Riverside County and used to working together.
Laura Holbert
Real Estate Broker, REALTOR®
Team Integrity Realty · CA DRE# 01932682
Book a 1:1 Conversation
Cole Simmons
Senior Mortgage Loan Officer
Simmons Mortgage Solutions · NMLS# 1127011
Company NMLS# 891464 · Edge Home Finance, LLC
Start a Secure ApplicationCheryl Shadden also provides local real estate guidance as part of Team Integrity Realty.
Common questions
Straight answers to the questions buyers ask most before they call.
Do I need to be pre-approved before I look at homes?
A conversation early helps; pre-approval is not a final loan commitment.
Will applying for a loan affect my credit?
It depends on the application and info needed.
Do I have to use Cole as my lender?
No. You are free to choose any lender.
Can we talk before I'm ready to buy?
Yes.
Your next step, when you are ready
There is no pressure to move fast. When you are ready to begin, the secure application is a direct way to get started, or you can call Cole to talk through the numbers first.
This page is for educational purposes only and is not a commitment to lend, an offer to extend credit, or a guarantee of loan approval. Rates, terms, fees, and program availability may change without notice and depend on borrower, property, and program eligibility. All loans are subject to underwriting and applicable guidelines.
You are not required to use any particular lender or service provider to work with Team Integrity Realty.