Thank you for your interest and welcome to the home of the ZERO cost loan. We are both a direct lender AND a broker, so we offer the best of both worlds. If our great rates aren't enough to earn your business on their own, we're also licensed and in good standing with the Department of Real Estate and we have an A+ rating with the Better Business Bureau. If you're hoping to work with a credible source, while also getting one of the lowest rates available, then we look forward to hearing from you soon. We will provide you with the personal attention that the large "factory" lenders will not.
PLEASE REALIZE if you monitor rates over a period of time, the order of the lenders offering the best rates will fluctuate frequently. This is because rates can change several times in a single day, depending on market fluctuations. In fact, you may start with a lender on a Monday (because they have the best rates), but by Tuesday, another lender has topped them. So what's the solution? Go with a lender that consistently offers some of the best rates from day to day, and also comes with a sterling reputation. At Back Bay Funding, we consistently offer some of the best rates in the country, and we're also one of the most well reviewed lenders you'll come by. There are certainly larger "factory" lenders with more reviews, but they also have a lot of really bad reviews that are downright frightening. You will not find that with us. Furthermore, we only lend in California, so we will be in the same time zone as you. Many Zillow lenders are located in other states and time zones, and we've been told that it can be very frustrating trying to reach them sometimes.
PLEASE UNDERSTAND that our account is not always active on Zillow, so if you see an offer you like, please save it and/or contact us right away because you might not find it again. We also have lower rate options that don't always show up in your Zillow searches, so we encourage you to contact us before making a final decision. We will save you money.
PLEASE NOTICE that Zillow quotes do not include third party fees (this applies to all Zillow lenders, not just us). We have some of the lowest third party fees available, so when you add it all up, our offer will be at the top. Please contact us for an all-inclusive quote to compare against the others. You will be glad that you did.