Finding a lender that you can trust while searching for a home loan can be challenging and confusing. It is a process even seasoned home owners can find challenging.  If you are currently considering refinancing or purchasing a new home you can trust me to be a low cost and reliable resource that has the experience to guide you in your search.

My goal is to provide the home buyer with the best rates, unbeatable customer service, and a worry free experience, whether you are buying a new home, refinancing an existing loan, or getting a home equity loan.

Starting Jan. 1, 2010, the Real Estate Procedures and Settlement Act (RESPA) will change the way loan officers conduct their business. RESPA is a statue which provides for clear and concise disclosure of settlement costs in real estate transactions. It has added some new rules and one of them is how we deal with the Good Faith Estimate (GFE). For more information, go to http://www.hud.gov/offices/hsg/ramh/res/respa_hm.cfm.

Many of you will want me to provide you with a GFE which details the costs and rates associated with your transaction. Under the new RESPA rules, to provide you with a GFE I will need the following:

1) Borrower’s name  2) Income  3) Social security number to obtain a credit report  4) Property Address  5) Estimated value of property and  6) Loan amount.

As a loan officer I am presumed to have received all six of these items which are needed to make a credit decision on your application before I issue a GFE. I have 3 business days to make this credit decision once I have obtained these 6 items. If you are trying to get pre-approved for a home loan and don’t have a property address at the time of the application, then I will just need the remaining 5 items before I can issue a GFE and write you a pre-approval letter. I hope these new rules make it easier to shop and compare lenders terms for the prospective borrower.

I created this site so you can gather some background information about myself and my company and hear what my clients are saying about my work.  I will be adding more information to the resource center and blog as the year progresses.  Rates are at historic lows and homes becoming more affordable in California. 2010 should be a great year to buy a home and a great time to obtain a low rate if you still have not refinanced.  

I would love a chance to earn your business.