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Profile picture for Les Wible

Les Wible

Lender

Senior Loan Officer, California Bureau of Real Estate (26 years experience)

Specialties:
Purchase Loan,
Refinancing,
Home Equity

Add personality to your profile! Tell the community about yourself, your home, and your profession.

In 1973, I graduated high school and started college. In 1977, I met and married my wife Deborah of 37 years, put on a suit and tie, and went to work for Prudential Insurance Company. In 1979, my wife was offered a great job as an advertising executive for a San Jose television station, so we moved from the Monterey Bay area to San Jose, CA. I needed a new job in San Jose and I didn't really want to start from scratch with a new insurance office. While going to college, I had managed a Travelodge, and it was that management experience that landed my new job and started my career in real estate as a property manager. In 1980, I completed my first certification course with the National Apartment Management Accreditation Board (NAA), and in 1983, I earned my Certified Apartment Manager (CAM) designation which is still current today. In 1984, my daughter Pearl was born, and in 1987, my son Max was born. When I was managing rental properties, many of my tenants wanted to become homeowners, so in 1988, I got my real estate sales license with the California Department of Real Estate to help them with that goal. As a new Realtor, I found that obtaining financing is the first and most important step to shopping for a home, so in 1989, I completed my first of many programs in real estate finance and loan officer training. In 2000, I stopped doing property management and real estate sales altogether, to concentrate on mortgage loan origination exclusively with Coast Capital Mortgage. In 2004, I moved from Coast Capital Mortgage to join First Priority Financial. In 2014, First Priority Financial changed its business model from mortgage brokerage and banking to just mortgage banking. To better serve my clients as a competitive mortgage broker, I joined C2 Financial Corporation.

How many people can truly say that they love the company that they work for? I can!

  • C2 Financial Corporation is a mortgage brokerage and a banker.
  • They are A rated and accredited by the Better Business Bureau.
  • Members of National Association of Mortgage Brokers
  • FHA and VA approved.
  • Managed by principals with over 62 years experience in the mortgage industry.
  • Partners with the largest banks in the U.S.
  • One of Scotsman's Guide Top Mortgage Originators of 2012 and 2013.

I'm a lucky guy that loves my job and the people that I work with. Every day borrowers entrust me with one of the most important financial decisions of their life and I don't take that responsibility lightly. I do what is best for my clients and know that by doing so I'm not only doing what is morally and ethically right, this belief system will result in my borrowers referring me additional clients, which is the best long-term business model. So far so good!

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About Les Wible: <p>In 1973, I&nbsp;graduated&nbsp;high school and started college. In 1977,&nbsp;I met and married my wife Deborah&nbsp;of 37 years,&nbsp;put on a suit and tie,&nbsp;and went to work&nbsp;for Prudential Insurance Company. In 1979, my wife was offered a&nbsp;great job&nbsp;as an&nbsp;advertising&nbsp;executive for a San Jose television station, so&nbsp;we moved from the Monterey Bay area&nbsp;to San Jose, CA. I needed a new&nbsp;job in San Jose and I&nbsp;didn't really&nbsp;want to start from scratch&nbsp;with a new insurance office. While going to college,&nbsp;I had managed a Travelodge, and it was&nbsp;that management experience that&nbsp;landed&nbsp;my new&nbsp;job and&nbsp;started my career in real estate as a property manager. In 1980, I completed my first&nbsp;certification course&nbsp;with the National Apartment Management Accreditation Board (NAA), and in 1983, I&nbsp;earned my Certified Apartment Manager (CAM) designation which&nbsp;is still&nbsp;current today. In 1984,&nbsp;my daughter Pearl&nbsp;was born, and in 1987,&nbsp;my son Max&nbsp;was born. When I was&nbsp;managing rental properties,&nbsp;many of my&nbsp;tenants wanted to become homeowners, so in 1988, I&nbsp;got my&nbsp;real estate sales license with the California&nbsp;Department of Real Estate&nbsp;to&nbsp;help them with that goal. As a new&nbsp;Realtor,&nbsp;I&nbsp;found&nbsp;that obtaining&nbsp;financing is the first and&nbsp;most important&nbsp;step&nbsp;to&nbsp;shopping for&nbsp;a home,&nbsp;so in 1989,&nbsp;I completed my first&nbsp;of many&nbsp;programs in real estate finance and loan officer training. In 2000, I stopped doing&nbsp;property management and real estate sales altogether, to concentrate on&nbsp;mortgage loan origination&nbsp;exclusively with Coast Capital Mortgage. In 2004, I&nbsp;moved from Coast Capital Mortgage&nbsp;to&nbsp;join First Priority Financial. In 2014, First Priority Financial changed its business model from mortgage brokerage and banking&nbsp;to just mortgage banking. To better serve my clients as a&nbsp;competitive mortgage&nbsp;broker,&nbsp;I&nbsp;joined C2 Financial Corporation. </p> <p>How many people can truly say that they love the company that they work for? I can! </p> <ul><li>C2 Financial Corporation&nbsp;is a mortgage brokerage and a banker. </li><li>They are&nbsp;A rated and accredited by the Better Business Bureau. </li><li>Members of National Association of Mortgage Brokers</li><li>FHA and VA approved.</li><li>Managed by principals with over 62 years experience in the mortgage industry.</li><li>Partners with&nbsp;the largest banks in the&nbsp;U.S. </li><li>One of Scotsman's Guide Top Mortgage Originators of 2012 and 2013. </li></ul> <p>I'm&nbsp;a lucky guy that loves&nbsp;my job and the people that I work with. Every day borrowers entrust me with one of the most important financial decisions of their life and&nbsp;I don't take that responsibility lightly. I do what is best for my clients and know that by doing&nbsp;so I'm not only doing what is morally and ethically right, this belief system will result in my borrowers referring me additional clients, which is the best long-term business model. So far so good! </p>

Ratings & Reviews

Due to a low appraisal (inadequate loan:value ratio) we were unsuccessful in refinancing our home in Santa Cruz. Regardless, Les Wible was a pleasure to deal with and I will recommend him to friends. He was responsive, available, straight forward and good natured. He takes in your details, and analyzes the situation well and quickly. The flat rate he offers is simple and reasonable in my opinion. Our loan would have been about $1/2 million. Between points and fees, most places wanted to charge us $6000. We'd have saved at least $3000 going with Les.

  

11/02/2009 - sc242
Gave me a quote on Zillow, but it did not work out. Bonny Doon, Santa Cruz, CA 95060

Due to a low appraisal (inadequate loan:value ratio) we were unsuccessful in refinancing our home in Santa Cruz. Regardless, Les Wible was a pleasure to deal with and I will recommend him to friends. He was responsive, available, straight forward and good natured. He takes in your details, and analyzes the situation well and quickly. The flat rate he offers is simple and reasonable in my opinion. Our loan would have been about $1/2 million. Between points and fees, most places wanted to charge us $6000. We'd have saved at least $3000 going with Les.  More Less 

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12/12/2009 - awalworth
Closed refinance loan. Midtown, East Palo Alto, CA 94303

I recommend Les Wible wholeheartedly. He handled our refi very professionally and at a very reasonable cost. He got us an excellent rate, 4.875% for a 30 year fixed conforming jumbo in the fall of 2009 (as I write this in early December, rates have gone down a bit further, but at the time we locked our rate was the best available for a conforming jumbo with no points). His Good Faith Estimate showed $2,475 in non-recurring costs; the actual amount at closing was $2,216. The cost was so low because he rebated to us the 3/8% YSP (Yield Spread Premium) from the lender. My experience has been that brokers often prefer to pocket the YSP (which is paid by the lender to the broker) and are reluctant to divulge YSP details. Les was very straightforward: he told us exactly what was happening and forwarded documents such as the lock confirmation so we could see for ourselves. Our refi was complicated by the need to subordinate our existing HELOC. Processing of subordination requests tends to be slow these days because the organizations doing the subordination are understaffed and overloaded; moreover, the subordination processing can't begin until the new loan has progressed through underwriting. Consequently, there is a risk of incurring extra costs for lock extension if the subordination is not completed in time. Les was very knowledgeable about dealing with the subordination process; he arranged a 45 day lock to allow sufficient time and took action whenever needed to move the whole process along efficiently. In addition, Les was always available to answer any questions or address issues that arose, and was easy and pleasant to work with. His fixed fee is exceptionally attractive for larger loans, where a broker taking a percentage of the loan amount is apt to be much more expensive. Though I'm very busy, I was sufficiently pleased by my experience with Les that I'm glad to take the time to let others know of his excellence.  More Less 

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10/02/2009 - node56
Closed refinance loan. Sky Londa, CA 94062

The refi worked out well, was less expensive (fee-wise) than my original mortgage, and thanks to his flat-fee pricing, I got the best rate available at the time. He was very knowledgeable about every aspect of the loan process and was able to get me into a new program that reduced the amount of paperwork and saved money. I would recommend him to my friends.  More Less 

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