How to start?

Hi Andrea - I can help you get started on Lender411 for your mortgage needs - whether you're a mortgage pro or a prospective borrower. Look out for an email from stevie@lender411.com

Find a reputable mortgage broker whose specialty is doing loans in CA. Stay away from banks because they won't advocate for you, will not give your the assistance you may need to resolve certain issues, and will take much longer to complete your loan. Believe it or not, you can get a much lower cost loan loan with a lower interest rate working with a loan officer who has access to a multitude of lenders through his mortgage broker. I've proven this time and time again to my clients. Make sure, though, that you work with a loan office who has been doing loans at least 5 years, otherwise the info you are given may not be as accurate as it should be. Give me a call 16/7, or email me your phone number so I can call you, and I'll be happy to walk you through the process. To learn more about me and our mortgage brokerage, click on my picture. When the next page pops up, click on "Website" and you will be redirected to ours. If you get a chance, read some of my blogposts on Lender411. They are quite informative. We work exclusively in CA and get loans done fast, typically in less than 30 days, at low interest rates and costs. I started doing mortgage loans in CA in 2006, and only do them there so I have an exceptional understanding of this extraordinary market. Representing more than 50 quality lenders that offer in excess of 1,000 loan programs, we definitely have something for everybody.

The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

I have a great loan officer referral for you. She has programs that other mortgage lenders do not have , with over 20 years experience .. email at yourloanpartnerforlife@live.com

Get in touch with a local loan officer, do a loan application, have them review your credit and income. Have them present you all of your available options so you can best choose the loan that is right for your needs. Best wishes, Sean

Hi Andrea,I am in the Northern California area. Give me a call and I can walk you through all of the steps to get you started. I'm at 510-332-3282.Looking forward to talking with you,Linda