Obtaining a real estate mortgage loan can be very intimidating. I will alleviate your concerns and provide the best customer service around. My honest approach to lending is becoming quite rare. I primarily work off of referrals from past clients, real estate agents and business associates. My success is measured in your happiness at the close of escrow. ASK about my "No Risk Policy."
Experience
My experience allows me to find the perfect loan program to satisfy your financial needs. I am one of the most experienced loan professionals in the industry. Since 1978 I have been employed in the real estate finance industry. I have been a Chief Real Estate Appraiser, a Senior Advanced Loan Underwriter, a Financial Analyst, and a Senior Loan Origination Manager. I have a Bachelor of Science degree in Real Estate, Finance & Insurance and maintain a California Real Estate Broker's License.
Customer Service
Many of the internet based lenders, are just that. Customers are unable to contact them by phone after their loan closes. Many times, you must arrange the appraisal on the property. Questions about the local real estate market are never answered. The rates that you have been quoted are no longer applicable,or changed on your loan documents. If there is a problem or you need a question answered, there is no one to talk to you or return your calls. My clients have access to me during and after their loan transaction. My clients obtain loans to meet their financial needs. Call for a free consultation.
Rates
Most fixed rate and limited term fixed rate loans can change during the course of the day. Rates are a direct result of supply and demand of Mortgage Backed Securities. These are security instruments similar to bonds and are priced similarly. The higher the price the lower the yield or rate. RATE SHOPPERS see (IMPORTANT FACTS) page.
Company
My company was established in 1998 and has been responsible for providing outstanding mortgage loans, interest rate and customer service ever since. My specialty is in Refinance loans and Purchase loans. My regular customers particularly value multiple rate locks as a result of our Preferred Broker Status with many lenders. We handle loans in California.
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