Note: Mortgage Loan Interest Rates and Products are based on Loan Type, Documentation Type, Loan-to-Value, Loan Amount, Liquid Reserves, Employment, Property Type & Location, Ownership Type, Lowest Mid FICO Score of ALL Borrowers, Number of Consumer & Mortgage Late Payments, Past Foreclosure or Bankruptcy and Debt-to-Income Ratios. Without this information no one can honestly and accurately give you an interest rate & product quote!

With this information, along with understanding your needs from our conversation, I can find the perfect loan solution for you. The only item that could change this is if your appraisal comes back much lower or higher than my comparables on your property.

Why Choose Me?

By clicking on the links below you'll see journalist's comments from CNN Money, New York Times and the Wall Street Journal. They all state the advantage of receiving a full mortgage loan disclosure upfront, in writing, along with receiving a copy of the lender's rate lock confirmation. There are 1,000's of mortgage brokers in California from which to choose. I am one of only 35 that are members of the Upfront Mortgage Brokers Association.

A lender's rate lock confirmation discloses everything: lender paid broker premiums (rebates), broker fees, lender fees and how many days your interest rate is locked in at! Have you ever received a copy of your lender's rate lock confirmation from any of your past mortgage loans? I don't think so. Why, because once seen, there is no way to hide earnings!

You'll save 1,000's of dollars and maybe 10's of 1,000's of dollars, depending on your loan amount, because your mortgage loan is purchased at wholesale par rates. Only if you want your costs buried in your loan will we use a higher rate with a lender "rebate." If there is an overage, you will receive that at close of escrow. I have over 30 wholesale lenders' daily rate sheets posted on my web site: www.UMBoc.com.

There are a few good apples!

Upfront Mortgage Agreement Provides Full Disclosure

Upfront Mortgage Commitment