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March 10, 2010 4:06 AM at Loanlane in Menlo Park, CA
Bad news first ... due to licensing restrictions, Loanlane can't help - we are limited to California.
Now the good news! There are mortgage companies in your area that want your business, and they'll compete for it. I should know about competition, I've been a mortgage broker for more than 20 years, and I started the Loanlane web site in 1994. That's before Yahoo, and before Google. The internet has allowed mortgage shoppers such as yourself to make well informed and non-rushed decisions.
Pressing the button at the bottom of this page will bring you to a form that describes what kind of loan or mortgage you're seeking. The lenders on the other end don't get any sensitive information yet, and they know you'll be getting more than one offer, so they'll have to
win your business
.
You tell them what you want, and they'll give you their best offer, often times below their published rates!
Take your time to decide which company you like - you're in the driver's seat. If you don't like a particular lender, or get an uneasy feeling - hit the delete button.
Remember, it's OK to deal with potential lenders via email ... you do not need to speak with them until they have proven their sincerity by putting their offer in writing. You can ask questions, check references, and most important: compare, compare, compare.
Good luck (sorry we can't help!), and feel free to contact me on my personal telephone line if you have questions.
Mark Leaver, Broker, Loanlane Residential Mortgage
(650) 321-7027
"It was fast, and easy! We had three quotes in our inbox within two hours, and after emailing back two of the lenders, we decided on one and gave her a call. It's a great way to get a mortgage!" -
Jim and Diane T., Madison, WI
"After trading emails with a couple of lenders, we learned that we could get an even better rate because of our credit score." -
Dave and Lisa K., Fort Meyers, FL
"One of the brokers offered to approve us in advance, using an automated underwriting program. We locked in our rate, and closed 30 days later - without an appraisal!" -
Pat and Marge L., St. George, UT
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Equal Housing Lender. Copyright 2009 Mark Leaver. All rights reserved.
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statement. CA Department of Real Estate, real estate broker, license 01006840. Rates appearing on the Loanlane web site are subject to change and are intended for California owner occupied single family residences only. First position liens only. The information contained herein is believed to be reliable. However, we do not make any representations as to its accuracy or completeness. Any statements nonfactual in nature constitute only current opinions, which are subject to change. Mortgage rates are subject to change without notice. Mortgage rates posted on this web site apply to applicants with a minimum FICO score of 720 or a loan-to-value ratio less than 60%, and require documented income to comply with underwriting requirements. Stock quotes, if displayed, are delayed 20 minutes. Stock quote data and market index information is provided for information purposes only, and is not intended for trading purposes. Loanlane is not liable for any errors or delays in the content, or for any actions taken in reliance thereon.
