Sam BataynehMortgage · NMLS 332474
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How it works

How a home loan works, step by step.

A home loan has four steps: a first conversation, a review of your options, an application and a closing. Here’s what happens at each one, and what Sam does.

The four steps

  1. Say hello

    Start on Sam’s OriginPoint page. Share your goal: buying, refinancing, or just working out what’s possible.

  2. Review your options

    Sam explains the loan types that fit your situation and what each one asks of you.

  3. Apply

    You apply online with OriginPoint and send your documents. The lender reviews your income, assets and credit.

  4. Close

    The home is appraised, the loan is underwritten, and you sign. Sam and the team keep you posted the whole way.

Be ready

What to have on hand.

You don’t need all of this to start a conversation. It just makes applying quicker. Your list may differ; Sam will tell you exactly what Sam needs.

  • Photo ID. A current government-issued ID.
  • Income. Recent pay stubs and W-2s, or tax returns if you’re self-employed.
  • Assets. Recent statements for checking, savings and investment accounts.
  • The home. The address and purchase contract if you have one, or your current mortgage statement if you’re refinancing.
  • Your questions. Write them down. No question is too basic.
Paid differently?

Stock, contracts, 1099s and royalties.

If your income isn’t a simple paycheck, the list above changes. These pages say how, in general terms.

Tech professionals: what lenders ask about RSUs and bonusesAthletes: what lenders ask about contracts and signing bonusesEntertainers and creators: what lenders ask about 1099 and royalty income
Common questions

Good things to know.

What is a jumbo loan?
A loan larger than the conforming limit for the county the home is in. For 2026 that limit is $832,750 in most of the country and up to $1,249,125 in high-cost counties. See loan limits.
What’s the difference between conforming and FHA?
A conforming loan is a conventional loan that fits Fannie Mae and Freddie Mac rules. An FHA loan is insured by the Federal Housing Administration, requires mortgage insurance, and is open to smaller down payments and lower credit scores. Each has its own county loan limit.
Fixed or adjustable: which is better?
Neither is better for everyone. A fixed rate never changes. An adjustable rate is set for a first period and can then go up or down with the market. Sam can walk you through how each would work for you.
How long does it take?
It depends on the loan, the property and how quickly documents come together. Sam will give you a timeline for your situation once Sam knows the details.
Does talking to Sam commit me to anything?
No. A first conversation is just that. You decide if and when to apply.
Where does Sam lend?
Sam lends in all of California. You can look up Sam (NMLS 332474) and OriginPoint (NMLS 1598647) at www.nmlsconsumeraccess.org.
How do I see today’s rates?
These pages don’t quote rates. A rate depends on your loan, your credit and the day. Sam’s OriginPoint page has current rate information with the full details that go with it. The Daily Mortgage Show reports Freddie Mac’s published weekly national average as news, with its source; that is not an offer or a rate quote.

Take the first step.

It starts with a short hello on Sam’s OriginPoint page.

Get started with Sam