During the height of the real estate market, most borrowers who applied for a mortgage received one.  However, in today’s lending environment, consumers should be more cautious about where they apply for a loan and from which Web sites they receive quotes.

Borrowers should be cautious about sites that request a Social Security number and address upfront.  The site may pull the consumer’s credit report, which could have a negative impact on their FICO score should they not apply for the mortgage.

It’s also important that consumers ensure that all fees are clearly disclosed on a site’s rate quote.  Otherwise they may be surprised when receiving the paperwork from the lender.

Borrowers who are unsure of which type of mortgage is best for them and their situation should contact a mortgage banker.  Those in the market for a jumbo loan or financing an investment property may best be served by working with an experienced broker.  

Getting started:

We recommend using Countrywide and it is easy to get started with Thad Pracht a respectable Bank of America Home Loans specialist, call him # (760) 672-9608 or just click or click here start my loan


We recommend using Wells Fargo Home Mortgage and it is easy to get started with Patti Gonzales a respectable Wells Fargo Home Mortgage loan specialist, call her # (858) 320-3702 or just click start my loan

1. Know your price range & payments by being pre-approved with a reputable lender

2. Set up a search to start shopping for your home or investment, click here: VIP Search

 County Properties San Diego or County Properties Riverside