“Close on Time ~ Every Time
Most homebuyers spend more time shopping for a pair of shoes than they do for a mortgage loan. In fact, many go straight to a big bank, hope they get approved and then accept the offered terms. But it doesn’t have to be that way in California.
When banks from San Francisco to Santa Cruz stopped issuing new mortgage loans after the “Crash of 2008,” privately owned, independent mortgage lenders began approving California mortgages. These independent lenders are subject to the same standards, rules and regulations as banks, but they can offer a wider array of loan types.
An Alternative to Banks
Just as shopping for shoes gets you the best price, shopping for a mortgage gets you the best rates. It pays to shop; it’s also the best way to educate yourself enough to recognize a good deal. Without choices, you’d have to rely on your banker. If you’ve ever had a mortgage application rejected, you remember the helplessness you felt.
So shop around for your mortgage… and your California mortgage lender. When you’re ready to buy a house — your first house, your second home or an investment — independent mortgage lenders like Prime Mortgage Lending and Equity Services, Inc. offer safe alternatives to big banks. It pays to shop. Prime Mortgage Lending and Equity Services, Inc issues mortgages in all CA Counties (including the greater Bay Area, Silicon Valley and Santa Cruz County).
The Advantage of Independent Lenders
Independent mortgage lenders don’t work for the banks. They underwrite most of their loans in-house, without any help from a bank. Independent lenders approve — and pre-approve — mortgages throughout California. Here are the top five reasons to talk to an independent California mortgage lender:
While a bank offers many financial products to a wide range of customers, independent California mortgage lenders only do mortgage loans. Zachery “Zack” Adam of Prime Mortgage Lending and Equity Services, Inc., for example, has the knowledge and experience to match you with the right mortgage, the one with the best rates and terms for you.
Independent California mortgage lenders have existed for years. Prime Mortgage Lending and Equity Services, Inc. was founded in California in 2005. It’s a well-established company with the funding to find mortgage loans even for unusual mortgage applications.
Being independent means an independent California mortgage lender, Zachery Adam can move faster than big banks can to approve mortgages and close loans. In fact, Prime Mortgage Lending and Equity Services, Inc., closes in less than 30 days.
Independent California mortgage lender like Zachery Adam works directly with you throughout the entire approval process. You’re in contact with your lender every step of the way. The whole mortgage approval process becomes much more transparent.
When it comes to mortgages, independent lenders can outmaneuver banks because they offer more types of loans, such as first-time VA loans and debt consolidation loans. Being a California mortgage lender, we have the expertise to find the right loan for you.
Zack keeps your loan application process simple.
Bay Area Mortgages
Whether you’re applying for your first California mortgage or you are an experienced investor, you can find an independent mortgage lender in the Bay Area. Take advantage of this trend to expand your mortgage choices in Silicon Valley and Santa Clara County as well. Prime Mortgage Lending and Equity Services, Inc. operates in 15 states, including California, so they are well positioned to get you a California mortgage.
Zack Adam previously worked in a big bank, but left because he couldn’t satisfy his customers to the level he wanted. Now, with ten years of mortgage experience, he is a branch manager for Prime Mortgage Lending and Equity Services, Inc. He chose Prime Mortgage Lending and Equity Services inc. because of the range of mortgages and the flexibility in the company. He offers the same to you.
Customer Service Comes First
If you apply for a California mortgage with Zack, he is on your side and represents you to Prime Mortgage Lending and Equity Services, Inc. underwriters. He spends time with you, listening to what you want. He makes a habit of getting everything he needs upfront to minimize any surprises down the road. You will get best results if we are thorough up-front.
Just as Prime Mortgage Lending and Equity Services, Inc. offers you alternatives to bank mortgages, Zack can find alternatives for you, regardless of your situation. If he can’t help you, most of the time he’ll know quickly. Then he’ll point you in the right direction to get the help you need to become a homeowner.
It’s this kind of attention to detail and transparent communication that makes Zack so easy to work with. He genuinely wants to help you. He believes that everyone deserves the American dream of owning your own home.
Get in touch with Zack to find out how to apply for a California mortgage loan.
Get More Information
The links below offer more information about the mortgage process. It represents a treasure trove of information for you.
Discover why you can trust Prime Mortgage Lending and Equity Services. Inc. to finance your California home purchase.
When it’s the biggest investment of your life (so far), find a lender with whom you connect. Learn as much as you can about the home-buying process. A second home can be a wise choice for now and for the future. Make sure you find the right house and get the right mortgage.
Prime Mortgage Lending and Equity Services, Inc offers more mortgage types than most bank-based lenders. Review the variety of mortgage loans and read their descriptions.
If you’re applying for a mortgage here’s an invaluable list of things to do or avoid during the process. Even seasoned real estate investors can use a refresher.
These frequently asked questions are a resource for you. See if your questions are answered here.
This is an upfront disclosure provided by CFPB. You will get a copy; but this page summarizes what’s in that disclosure.
Another resource for you is this list of definitions. You’re not expected to know all the terms and phrases. So ask questions or look here.
“I have had the pleasure of Zachery’s expertise on two loans. A full purchase and later a refinance. During both transactions Zachery not only provided excellent transparency of all the moving parts involved but also came to the table with multiple financial options that were relevant and reasoned against my personal financial aims which he inquired about from the beginning. Zachery’s promptness, attention to detail and willingness to work aggressively behind the scenes to keep everyone involved focused on accurate paperwork, timely follow up and effort resulted in both transactions closing early and no surprises. He has a very calm, friendly, confident demeanor which makes it very easy to work with him. I hold him in very high regard and would unconditionally recommend him for any mortgage needs one might have.”
Thinking of buying a home in California
Zack Adam of Prime Mortgage Lending works by building relationships. He invites you to a free, no obligation meeting, where he can answer your questions and you can get to know him. If you’re thinking of buying a home in California, contact Zack to get the help you deserve.