You want great personal service with top notch communication? To understand what you're doing, and why? To know you're getting a good loan/rate for your situation? You want help navigating the complex options, needs and documents to get a mortgage loan? To work with someone with long term expertise that has the best chance to solve problems that come up? Than you should choose me to help you with your mortgage.

 

Pacific Sunset Mortgage is a high service level boutique true mortgage broker company. My multiple national wholesale lender partners I work with, pay me for placing loans with them. In a way, I'm like their loan officer locally. I get the same percentage compensation no matter what loan I do. I get the same from every lender I use, the same no matter what rate you get, the same no matter if you pay points or not, the same if you go Conventional or FHA or VA or USDA (Reverses pay differently). My incentive is to find you a good loan for your situation from my lenders, comparing their rates/points/programs for you, as I get the same compensation from them no matter what loan I do.

 

How my rates compare. A quick story. I shop for many products at Costco. I know I will get a good price there. Not the “best” price necessarily, but a very good price and a high quality product. With enough looking you can find most items sold at Costco cheaper somewhere else. But not with Costco's backing nor ease of purchase. I know I got a good deal without being cheated. Similarly, I never say I have the “best rate”. I have very competitive rates, and usually beat the local banks/credit unions and national mortgage banks local offices and online. But I am not the absolute cheapest. Spend enough time searching and calling, you may beat my rates. If you choose this other lender, you won't benefit from my help and advice which is invaluable many times. Knowing I shop multiple lenders, and benefiting from my experience when the loan is in process, is why buyers choose me.

What is a Mortgage Broker ?

A mortgage broker is an independent real-estate financing professional who specializes in the origination of residential mortgage loans. We are a local lender that works with multiple national lenders/investors and can compare their rates, terms and programs for you. By combining professional expertise with direct access to a multitude of loan products, your mortgage broker provides the most efficient way to obtain financing tailored to your specific financial goals.

What Do Mortgage Brokers Do ?

In the volatile home-lending market, mortgage brokers can serve as safeguards, offering their clients security, safety, and peace of mind. One of the broker's most important functions is escorting your loan application through the entire process, constantly patrolling the component transactions for possible breakdowns. A professional mortgage broker can wade through the mountains of rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options while providing personal service at high levels.

Brokers Handle the Details !

There are literally thousands of variables that can affect the outcome of your mortgage transaction. That's why you need a mortgage broker to act as a liaison between the title and escrow company, real estate agent, lender, appraiser, credit agency, the underwriters, the processors, attorneys, and any other services which may affect your transaction.

A mortgage broker also:

• Discusses and explains financing program options
• Informs you, in writing, of lock-in options
• Explains all documents of the loan application
• Explains all associated costs of the loan application
• Explains the disbursement of all loan applications
• Explains the loan process, from application to closing
• Communicates with you throughout the loan process in a timely manner
• Coordinates the final closing of your transaction