Discover What Mortgage Broker We can do at
CALSUN MORTGAGE
What are you interest in?
Loans for Self Employed
Loans for First Time Homebuyer
Zero Closing Costs
Quick Loan Approval
Trust Since 1986
Why is it Beneficial to Work with a Mortgage Broker in California?
A mortgage broker connects clients with lenders and finds the greatest fit for their financial circumstances and interest-rate requirements.
Working with a California mortgage broker allows you, the borrower, to focus on more important matters. Mortgage brokers, on average, have more experienced, efficient, and knowledgeable employees than their counterparts at traditional banks and direct lenders.
Working with a California mortgage broker is a great way to get some of the best rates and conditions in the business without having to do any of the work.
Mortgage Refinance interest rates are affected by a borrower’s financial credentials.
Find the Right Mortgage with CalSun’s California Mortgage Brokers
CalSun Mortgage values its customers and strives to provide exceptional service. Our experts are always able to discover the best product for your requirements. When we look at the overall picture, we discover a suitable answer for every buyer, regardless of their financial situation. We have a large network of lenders and will be able to discover the best loan program for every client as home loan experts in California.
Efficiency, Simplicity, and Friendly Professional Service are the pillars and core of our organization. We are committed to deliver what we promised.
FAQ's
In California, everyone who earns a Real Estate Broker License is automatically licensed to work as a Mortgage Broker. This implies they can advertise and sell real estate, as well as arrange real estate-backed loans, including first and second mortgages.
Any mortgage loan worker employed by a DFPI licenced lender or broker must have a CA-DFPI licence. This applies to any mortgage lender subject to the California Finance Law (CFL) or the California Residential Mortgage Lending Act (CRMLA) (CRMLA).
Here are some of the many benefits of working with a mortgage broker in California.
- Wider range of loan products you wouldn’t typically be able to access
- Lesser paperwork
- Save your time, money, and energy
- Have an experienced and educated person on your side
- More Flexibility
- Faster Closings
California mortgage brokers are compensated by the lender of borrower. If the lender is paying the broker, the two parties settle on a fixed amount before your loan application is submitted. This amount is dispersed once the deal is closed.
If the borrower is paying the mortgage broker, the fee is agreed upon at the start of the application process and is added to the closing costs.
No, this is just another common misconception about working with a California mortgage broker. Even if they send your application to five different lenders, a mortgage broker will retrieve your credit report after you apply, and this will be the case 95% of the time. These lenders will accept the one credit report given by the mortgage broker.
Use the resources available to you to discover a credible mortgage broker. Verify licencing information with the California Department of Real Estate and the NMLS consumer webpage. This takes 10–15 minutes, and the extra effort you put in to discover a reliable mortgage broker could save you thousands of dollars in the long run.
Helped to over 3000 borrowers to purchase and refinance their dream homes.
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