Marin Mortgage Brokers

How To Choose Wisely Rate shopping? Start one step earlier. When shopping for a mortgage loan professional, you're looking for several attributes — not just interest rates: The proper product for your situation Excellent communication skills A loan officer who keeps a very close eye on rates being offered locally The proper product for your situation. Many folks simply start by looking for the best interest rate, but it's often more important to begin with which loan product is the best fit. You may inquire about my rate for a conforming high-balance home loan, but I'll then point out that my Jumbo AUS (automated underwriting system) is a far superior product due to its aggressive pricing. This happens quite often, since initial online research will likely uncover the wrong product. A product mismatch for the self-employed, investors, or those seeking large loans can be a big problem. A seasoned professional will make excellent recommendations very efficiently after the initial consultation. Excellent communication. Communication skills are easy to claim, but much harder to practice. I firmly do not believe in having assistants or loan processors. This way, if the borrower has any questions whatsoever and needs an update, I know exactly where the process is. I consider it a failure if the client or their realtor feels the need to ask for an update. I use advanced technology to keep the client updated at each milestone. This is not an AI process — it's me sending out the updates. A close eye on local rates. If you're shopping for an excellent rate, it's very important you call someone who keeps a close watch on what local banks and lenders are offering. I know on any given day what's being offered, and I'm prepared to offer you something better than you can get elsewhere. That's the broker advantage: massive flexibility in our pricing. And what's best for the customer is all that really matters.