It was a pleasure working with Humboldt Mortgage Company. They pulled off a 30 day escrow with aplomb and answered all my questions quickly. I would definitely recommend them.
A mortgage broker can initiate and process the loan packages. They then submit the loan package to the best possible lender for the specifics of that borrower and property. The underwriter confirms all borrower and property guidelines are met and funds the loan. They then may sell the loan to Fannie Mae or Freddie Mac to obtain funds to re-lend out again.
70% of people in the United States use a mortgage broker.
The broker works for you, not the bank.
The rates and costs are competitive.
They have more loan programs from many sources to cover many properties and situations.
We talk to you and get it done.
Credit scoring is that mysterious number that is assigned to your when you apply for a mortgage, a car loan and your insurance company even runs one to determine your premium amounts.