Buy
Sell
Refi
Purchase and Refinance
California Real Estate
We connect people.
Access to Lenders
Low Rates.
Wholesale Pricing
Negotiated 3rd Party Fees
Efficient Technology
Check Rates Online Anytime
Tell it Like It Is
Straight Talk.
Clear Instructions
Transparent Compensation
Complete Disclosure
Detailed Explanations
Digital Diligence
Less Paper.
E-Signatures
Secure File Uploads
Online Application
Submit Documents Online
Seek expert advice.
Rates. Points and Fees.
Quick Quote
Loan scenario pricing calculator. Enter details and get a real time quote for common loan scenarios. If no results found please contact us, we have additional products not yet listed in the calculator.
Our Expertise
Efficiency
We will handle tasks for you. We know what to avoid and how to prevent delays.
Privacy
Free Rate Quotes. We will never sell your private data and only share when required.
Knowledge
We’ll deep dive into the guidelines and research creative solutions for your unique scenario.
Service
We will answer questions, educate you and provide a single point of contact for the entire process.
Discover Your Options
Purpose, Property, Products.
“There is nothing like a dream to create the future.”
― Victor Hugo, Les Misérables
Purchase Loans
Location & Preparation
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Refinance Loans
Tactical Finance
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Property Types
Residential 1-4 Unit
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Occupancy Types
Occupancy affects pricing
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Loan Products
A’ Paper to Hard Money
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“The real voyage of discovery consists not in seeking new landscapes, but in having new eyes.”
― Marcel Proust
Rates. Points and Fees.
Rates
Check the national averages. Loan costs AND 3rd party costs included for refinance scenarios. Purchase scenarios include loan costs and appraisal cost estimate.
Cost Info
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APR Info
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Rate Lock Info
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Privacy Info
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Our 5 Year Average:
Days from ‘Application’ to ‘Rate-Lock’.
Our 5 Year Average:
Days from ‘Rate-Lock’ to ‘Loan Docs’.
Our 5 Year Average:
Days from ‘Application’ to ‘Funding’.
%
Our 5 Year Average:
‘Locked’ Loan Closing Ratio.
The Process
Get Your Custom Quote
Gather Your Documents
The Short List:
Application and Initial Disclosures
Once we have a complete 1003 Loan Application we will run your file through ‘automated underwriting’ and issue the initial disclosures including the Loan Estimate or ‘LE’. Electronic delivery of disclosures is the preferred method. It really speeds up the process and saves paper. We have a variety of different systems in place for electronic disclosures and will provide instructions when the time comes. After disclosures are acknowledged as received, we will proceed with sending the application package and additional disclosures. If you prefer not to use electronic delivery, we can use fax, mail, personal appointment, pony express or carrier pigeons. Whatever it takes! (Our standard practice is not to charge an upfront credit report or application fee)
Processing Your Loan
Your Mortgage Loan Originator (MLO) will begin processing your loan once the information to order the Property Appraisal is received. The appraisal, title and other services will be ordered on your behalf. We will require you to submit income and asset information as applicable to your loan, prior to submitting your loan package to our Underwriting Department. Your MLO may gather additional documentation during the loan process, as required to fully approve your loan.
Locking In You Rate
When an Automated Underwriting System (AUS) issues an “Approved” decision, and you have received an acceptance to your purchase offer from the seller (if applicable), and the Loan Estimate (LE) has been acknowledged as received, then you are eligible to lock the interest rate via phone/email with the assistance of your Mortgage Loan Originator (MLO).
There are different rate lock period options, such as 30 or 45 days. For refinances the lock period is typically 30 days. Shorter locks have better pricing but more upfront preparation is required. Once we lock, the clock starts ticking, and closing before lock expiration is critical. Broken locks or lock extensions can increase pricing. Our standard practice is to order the appraisal at the time of rate lock and this will be an out of pocket cost for you. With low or no cost scenarios you receive the credits for the appraisal through escrow at close.
If your loan does not receive an “Approved” decision, your MLO will contact you to discuss other options. If after 30 days you have not locked in a rate, we will close your application.
Appraisal Inspection
Underwriting
Final Disclosures
The lender will issue the CD once the Doc Order process has been completed. The CD must be acknowledged by the borrower before the documents can be signed. This can be done electronically (if the borrower opted-in to receive e-disclosures) or by a paper version.
Signing Your Loan Documents
Funding And Closing Your Loan
Reasons make the difference.
Why, Us?
We are speeding up the process with technology like e-signatures and secure file transfer.
Security
We offer a number of secure communication and storage options.
Advocacy
We’ll fight for your best interest and vigilantly watch for errors.
Experience
We have worked with thousands of homeowners for over 25 years.
Transparency
We’ll inform you of costs and always fully disclose our compensation.
Fast Turn Times
We can use e-signatures to speed the process up for you.
Access to Products
Our wholesale access gives you more options and better pricing.
Reasons make the difference.
Why, Us?
We are speeding up the process with technology like e-signatures and secure file transfer.
A job well done.
Our Clients Said…
Young people eventually reveal by their actions
if their motives are on the up and up (Pro 20:11)
Contact Us
Have a question?
“A prudent question is one-half of wisdom.” – Francis Bacon