May 17, 2012 12:17 PM in Menlo Park, CA
SMS 650.924.1244 |
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Company
Loanlane Residential Mortgage is a mortgage brokerage located at 697 Menlo Avenue in the town of Menlo Park, which is in the San Francisco Bay Area. Mark Leaver (photo to left) is the principal and licensed broker at Loanlane, and has been operating Loanlane for more than 20 years.
Loanlane's client list spans the entire State of California. If requested, we can put you in touch with a past client for reference(s). We are committed to absolute privacy with respect to our company, clients, and business contacts.
Frequently asked questions are answered here. You may contact us via email to discuss your inquiry. You may also contact us via telephone, but you may find email is faster.
How I Work
I do business (securely) on the on the internet. I rarely meet with clients, but will sit down with you, by appointment only, if requested. In the past 20 years and well over 100 million dollars of loans funded, I have met only a handful of mortgage applicants. Clients will have my personal email address, direct line, and I will respond to 100% of my messages.
We no longer accept paper applications. Your loan file and the attachments must be delivered to us in a digital format, such as a PDF. Or, you may fax us your file and attachments. Previous clients will be aware of this process, but new clients need to give careful consideration to our loan file requirements.
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| Loan Process, Your Consumer Protection, and How to Request More Information |
Please remember:
- All loan forms and attachments must be in a digital (PDF, JPEG, MS-WORD, FAX) format.
- We do not request any fees upfront.
- If any fee is paid in advance of your loan funding, that fee is paid directly to the service provider (usually the appraiser).
- We will never request your social security number upfront, for any reason.
- If you start an application with us, you are under no obligation to continue.
- If you discontinue an application for any reason, there is no penalty of any sort. However, you may have lost your appraisal fee if an appraisal was completed.
- Your final loan costs will not exceed the costs as estimated on your Good Faith Estimate, except within a tight tolerance. If your loan file requires a change of circumstance which results in a higher cost outside of tolerance (i.e., you select a different loan program or you request something other than the original request), your loan file cannot proceed until you receive an updated Good Faith Estimate.
- You will be given the opportunity to lock your rate, assuming your loan can close in a timely manner.
- You will have a single point of contact for your loan status, and as always we represent your interests as opposed to the bank's interest.
We prefer email for client communication. We have chosen this method for two reasons:
Speed
Email is the fastest way to get through, because it is accessed at all hours (including after hours and weekends). We respond to 100% of our client inquiries (!) and on average, can respond within 60 minutes during business hours. We will telephone you in urgent or time-sensitive situations, or in cases in which email is not appropriate. Want to send a quick message? Text me at 650.924.1244
Accountability
Email maintains a clear record of communication between us and you, and educes the chance of a misunderstanding. If we write it, we stand behind it. Loanlane is 100% responsible for the content you see on our web site, as well as the web site itself (I wrote the site, and the code, from the ground up, beginning in 1994).
If you use the form below, you will get a response, quickly! Not an automated response, but an actual email composed by me. We can then communicate with you via telephone, fax, or email or sms.
After your contact form has been sent, you'll see a confirmation in the space below, as well as my email address.
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