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Don't Overpay For Your Mortgage! Utilize Our Wholesale Rates!

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We are a full service lending company specializing in Residential-Commercial-Portfolio-Private-Reverse-Business Lending Almost 25 years ago, after working for large banks and mortgage banking companies, I figured out how to operate an independent lending company using a business model which allows us to offer ultra-low interest rates for our clients. We utilize extremely low operating costs and margins. Also, by receiving Wholesale Interest Rates and, as the sole-owner/loan officer , I personally control our pricing model , which keeps our rates very low versus the competition as we have cut out most layers of expenses (high office expenses, processing fees and extra loan officer commissions). We then pass these savings on to our clients via lower rates and costs. Having closed thousands of loans during my career I have handled most every loan situation imaginable which enables me to secure the best mortgage for my clients. Loan Programs Offered Residential Conventional, Governm...
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Why Your Current Loan Servicer or Bank May Not Offer You The Best Rates

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Low Overhead + Low Margins = Low Rates Without question mortgage rates are a very hot topic..   One common question that  I am often asked  is how I can generally offer a lower rate than the homeowner's current lender/servicer (even though I may have originally closed the original loan for the homeowner with this same servicer)? As a wholesale broker I receive wholesale rates which are generally .25%+ lower than what a homeowner's current loan servicer will offer directly as they price rates as "retail" and not "wholesale". Their hope is that the homeowner does not question the fact the loan servicer is only handling the mortgage payments (most of the time Fannie Mae, Freddie Mac, HUD or VA owns or insured the loan) and a  brand new loan  has to be originated on any refinance.  Ironically, I  work directly and receive wholesale rates from a very well known "automated" lender that advertises day and night on television, internet and the radio throug...
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