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As a Full Disclosure Mortgage Broker, our clients see all the documents that other lenders and brokers hide from their borrowers. There will no surprises and if any of the fees from the lender, escrow or title company increase, we will pay for them with no cost to you.
Based in Long Beach, CA, we serve all of California, but most of our clients are referrals from the Los Angeles and Orange County areas. If you live in Long Beach, Huntington Beach, Lakewood, Los Alamitos, Irvine, Palos Verdes or surrounding areas, we can visit you to discuss your purchase mortgage or refinance at your convenience.
Alan Jablonski wrote the book on how to find an honest mortgage professional. As a California mortgage broker, consumer rights attor ney and author of "Successfully Navigating the Mortgage Maze" he has informed thousands of homeowners and home buyers on how to find the best rates and lowest fees available in the mortgage industry.
This guide is available on www.amazon.com, www.barnesandnoble.com, www.mortgage-maze.net or a book store near you. It will give you all the information you need to make an informed decision as to who to work with for your financing needs. The commitments that are discussed in the book are adhered to by our company and we ensure that you are 100% satisfied with your experience, so we can count on you to refer us to your family and friends.
Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. We stand by our commitments and you will have no surprises at signing. As a FDMB (Full Disclosure Mortgage Broker), we have committed to disclosing all fees, including those many in the industry try to hide, from home buyers at the beginning of their purchase. Our fees will never change from the day we lock your loan until the day you close on your home.
Refinancing your current mortgage must make economic sense for those considering refinancing. Borrowers must weight the cost of their new loan vs. the monthly savings that they will realize from the refinance. In many instances, a very small savings on your interest rate may not be a sound financial decision, but we will discuss your needs and fully inform you of not only the benefits of refinancing, but if there are drawbacks we will give you all the facts to allow you to make a good decision.
We give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anyone else!
Please navigate our website to find out the "Our Commitments" that we stand behind to build the relationship that will keep you returning to us for all your future financing needs.
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Do you know what the Par Rate is?
This is the lowest wholesale interest rate available on any given day without having to pay Points to buy-down your rate.
Do you know how lenders and brokers make money on your loan without your knowledge?
They raise the interesrt above today's Par Rate. For every .25% they increase your rate, they make 1 Point (1%) more on your loan.
We never raise our rates above the Par Rate and we keep to our 1 Point fee policy. You can choose an origination fee or pay for your loan with a slight increase to your rate. The choice is yours.
Do you know how some brokers promise rates lower than everyone else?
The law does not protect consumers from these predators. They don't tell you that you are paying to buy down the rate and in all instances, it will cost you thousands to get the rate they are promising. You want to look for today's Par Rate and pay as little as possible for your loan. |
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