Santa Rosa Mortgage Broker

With the recent sharp run up in mortgage rates, you're likely shopping around for a better interest rate story than what you're being told by another mortgage person. It’s very important you call someone that keeps a very close watch on what is being offered from various local banks and lenders. I know on any given day what’s being offered and when you call me, I’m going to be prepared to offer the caller something better than what they can get elsewhere. That’s how a broker operates as opposed to a direct lender or a bank. We have massive flexibility in our pricing structure and can often offer the public a mortgage rate that cannot be beat elsewhere.

I will add that one of my questions when I interview a prospective client is whether or not they have an existing private banking relationship. If they do, I will suggest they call their banking representative and get a quote directly from that source first and then call me. Some relationships like this will offer below market rates and it may be what’s best for the consumer ultimately.

And what’s best for the customer is all that really matters.

An interest rate quote depends on a number of factors such as:

• Product type
• Credit score
• loan amount
• Property value
• Loan objective (Purchase, rate and term or cash out refinance)
• Points or no points

When you go to a bank's mortgage rate page, you will always receive a "best case" scenario to entice you to contact them. Our process is simple:

• Complete our short information form
• Hit the "Get Quote" button
• Watch your email - a custom rate quote for your specific scenario will be arriving soon.

Here's our custom rate form. You will not be called unless you tell us to.

As a pure, independant Santa Rosa Ca mortgage broker, we have huge advantages over other lending institutions:

• Financing relationships with dozens of mortgage banks
• Our lenders operate in the wholesale mortgage channel. They are not available to the public and offer mortgage pricing typically below what the public can get through other home loan sources
• A low-cost overhead structure means we pass the savings on to you. Our loan officers handle the whole process themselves. If you have a question, your representative will be right there with the answer
• No robot call answering--just real humans to talk to (AI will answer when we can't)
• Seasoned, most experienced loan officers that you can find
• We are also licensed real estate agents with the California Department of Real Estate. This gives us a unique edge when financing a home purchase

We serve all of Sonoma County including Rohnert Park, Cotati, Sebastopol, Windsor and Healdsburg

Try our quick, state of the art, mortgage qualifying tool. It was built by one of our staff and is unique to our industry

Set an appointment - either in person or over the phone. Here's what you get:

For buyers and those that need to refinance:

• How much you qualify for—proper calculation of income must be done perfectly-No mistakes
• Which loan product will be optimal for your situation
• How to improve your credit score quickly if needed
• How the home insurance industry has changed and what to expect
• Closing costs—what to expect so you’re not surprised later
• What your monthly payment is going to be and how to minimize it as much as possible

Specifically for home buyers:

• How to choose an effective real estate agent
• How the initial deposit works and how to protect yourself from loss during the contingency removal process
• Down payment—put down as much as you can or the minimum depending on the loan product and overall situation
• What contract contingencies are and how to remove them carefully and effectively
• Detailed explanation of the loan process from acceptance of your contract through close of escrow
• Should you pay points, or not?
• How does the rate lock work?

Take Your First Step to get Started

You could start with a real estate agent, but they will ask you to get pre-approved for a mortgage and then to come back. Hit the Apply Button below to begin

• Same-day loan approval (usually within an hour)
• Your information is kept strictly confidential
• No credit check required--a phone call with a few questions is all that is needed