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Frequently Asked Questions

Here's what our clients ask the most about the mortgage process. See our resources tab, follow our Facebook page, or get in touch with us if you want to learn more.

  • We work with more than 25 wholesale lenders, which means we get you the best rates offered on the market, consistently beating retail lenders.

  • Every transaction, borrower, and property is unique. Big banks don't have the time to sit down with each client and fully understand their needs. That's what we're here for.

  • If you have specific questions before, during, or after the loan process, you can reach your mortgage expert quickly by phone, online, or via email.

  • We are well connected locally in Southern California with professionals in the real estate industry and beyond. If you need a recommendation, ours will be based on the quality of service, not the highest bidder on a Google search.

Why is a mortgage broker better than a bank?

  • There are many factors that affect how much money you'll bring in at closing. Let's break it down. 

  • NRCC's: Non-Reoccurring Closing Costs. These are costs specific to the closing of the loan itself.

    • Title, Escrow, Underwriting, Origination, Appraisal, Notary, and Recording fees are typical NRCC's.

  • Other costs to be paid at closing may include:

    • Front-loading an Escrow account, Property Taxes, Renewal of Homeowner's Insurance.

  • Lender Credit / Discount Points:

    • Lenders offer credits towards closing costs when borrowers select higher interest rates. This credit can help offset NRCC's and lower total costs. Of course, choosing the higher rate will lead to higher monthly payments. 

  • Adjusting the Loan Amount

    • Please note that in most cases, you have the option to increase your loan amount to include the costs of the loan. This can be very helpful if you're trying to save cash now as well as secure a lower mortgage payment.​

How much will my closing costs be?

  • Conventional, Jumbo, FHA, and VA loan programs each have their respective advantages and limitations. We talk you through each option so that you can make an informed decision.

  • Depending on your goal of the transaction, we can find the best program for you. We are professional problem solvers.

What program/product is best for me?

What impacts mortgage interest rates?

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