If you’re looking for mortgage financing, you may be tempted to use the bank where you have your checking account. Or you may be referred to someone by your Realtor. Not to say that those aren’t valuable places to shop for a mortgage, but you should do your homework first.
Don’t Waste Your Money
Mortgage financing is a big investment. Using the wrong lender can mean that you are paying more each month or over the life of the loan than you really need to. Working with an independent California licensed mortgage broker offers some benefits that you may want to consider.
We Work for You, Not the Bank
As independent mortgage brokers, we aren’t beholden to a specific institution. We work for you and go out of our way to find the right mortgage product for your specific needs. Because we work with a variety of different lenders that offer hundreds of different mortgage products, you will get a mortgage that is tailored to your financial goals and requirements, not a one-size-fits-all approach.
You fill out one application and then we help you compare what is on the market that fits your financial profile. We offer you the pros and cons of different lending products so you can make an informed decision. We can offer you comparative differences in interest rates, points, closing costs and underwriting criteria and help direct you to the product that will best suit your situation and your budget.
You May Need More Innovative Loan Approaches
Do you have some financial or credit problems? We aren’t just loan originators. We are also consultants and problem solvers. Banks will offer a standard variation of loan products, but many borrowers have financial situations that demand more assistance.
We work with many lenders that have more innovative approval strategies than your normal banks or mortgage lenders. We take the time to identify your needs and your goals, understand any of your financial issues and then offer alternatives for your specific set of financial needs.
We Educate and Walk You Through the Process
We understand you don’t buy a home or shop for a mortgage every day. We are the experts and don’t expect you to be. We explain everything to you in easy to understand terms. We go out of our way to help collect the items needed by the lender in order to get your application expedited. We know the underwriters and their criteria, so we know how to show you in the best light. Having the services of a licensed mortgage broker in California is like having a friend in the mortgage business.
Personalized Service You Can Trust
Personalized service is one very important thing that separates an independent mortgage broker from a loan originator who works for an institution. We are invested in your success. We will fit you with a mortgage that is tailored to your needs instead of trying to fit you to the mortgage.
If you are looking for mortgage financing in Oakhurst or anywhere in California, we would be happy to help. At Granite West Funding, we specialize in your success. Let us show you the right mortgage loan for your needs and your budget. Call us today at 559-540-2275 for a no-cost consultation.