All California Mortgage

QUALITY PEOPLE ~ QUALITY SERVICE

Since 1992, All California Mortgage has provided quality service in every area of mortgage lending. From purchase to refinance to construction and commercial lending, we have access to a full range of mortgage sources. Our lending specialists are dedicated to finding you the right loan-with great rates, terms and costs to meet your unique needs. 

COME HOME WITH THE HELP OF ALL CALIFORNIA MORTGAGE.  

 

© 2017 All California Mortgage, a division of American Pacific Mortgage Corporation  NMLS #1850 / BRE #01215943
17 E. Sir Francis Drake Blvd., Suite 200, Larkspur, CA 94939     (800) 371-4545   inquire@allcalifornia.com 
Licensed by the Department of Business Oversight under the CRMA     Disclaimer  |  Privacy Policy 

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Why Use a Broker/Banker?

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Independent mortgage broker/bankers have access to both their own banking products and a large selection of direct wholesale lenders. This allows them to offer their clients a myriad of loan products and investors to choose from. Today, the use of a professional mortgage broker/banker is one of the key strategies for borrowers to have access to all their financing options while completing just one application.

What is a Mortgage Broker/Banker?

A mortgage broker/banker is a licensed independent real-estate financing professional who specializes in the origination of residential mortgage loans. A mortgage broker/banker works with (on average) as many as 40 lenders at any one time. By combining professional expertise with direct access to hundreds of loan products, your broker provides the most efficient way to obtain financing tailored to your specific needs.

 What Do Mortgage Broker/Bankers Do?

In the volatile home-lending market, mortgage broker/bankers 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 - from the initial intake to the close of escrow, constantly checking to  make sure everything goes smoothly.

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. Having access to both our own banking products and several wholesale investors we insure that you are acquiring the best loan product for your personal financial goals.

We Handle the Details!

There are literally hundreds of variables that can affect the outcome of your mortgage transaction. The advantage of working with a mortgage broker/banker is that they will act as a liaison between the title company, real estate agent, lender, appraisal co., credit agency, underwriters, processors, attorneys, and any other resources which may affect your transaction.

A Mortgage Broker/Banker also:  

-  Discuss and explain all available financing program options

-  Inform you, in writing, of rate lock-in options

-  Explain all documents of the loan application

-  Explain all associated costs of the loan application

-  Explain the loan process, from application to closing

-  Provide you with a good faith estimate of cost and fees

-  Communicate with you throughout the loan process in a timely manner

Ready to apply for a loan? Apply online to start the pre-approval loan process.

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  ©  2017  All California Mortgage
a division of American Pacific Mortgage Corporation - NMLS #1850 / BRE #01215943
17
E. Sir Francis Drake Blvd., Suite 200, Larkspur, CA 94939     (800) 371-4545      inquire@allcalifornia.com
Licensed by the Department of Business Oversight under the California Residential Mortgage Act     Disclaimer  |  Privacy Policy