Cedar Mortgage, established in 1981, is an independently owned mortgage brokerage firm, renowned for customer service and quality real estate programs. Our office family consists of qualified loan consultants and processing staff, and our lending portfolio represents one of the most comprehensive program collections in the United States.
We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending, from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan - with the best rates, terms and costs - to meet our clients' unique needs.
We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending, from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan - with the best rates, terms and costs - to meet our clients' unique needs.
Services
Tri-Valley Lending in Ripon, California serves the Central Valley. They specialize in USDA and other rural development loans with up to 100% financing and FHA loans (up to 97.75% of value) as well as additional residential and commercial loan programs. If you have interest in contacting them directly, please visit the Tri-Valley Lending website at your convenience.
Knowing what loan is right for you is an art. We can walk you through the various products available, from conventional loans and government programs, to jumbo and super jumbo loans, we can answer all your questions. Email Us or call during business hours for immediate assistance. 3o Year Fixed Mortgage - This is a fully amortizing program with a fixed interest rate over the life of the loan.
Did you know that you download your mortgage home loan application here on our site? You can! You will need Adobe Acrobat Reader to view and print our forms. Feel free to fill out your application out in advance of your visit to Cedar Mortgage and bring it with you. You can even calculate your estimated payment by using our Loan Calculation Tool.
We love hearing from our clients and thought we would share some of the things they have said over the years. Like to add your own experience to this list? Feel free to be in touch, our future clients would certainly love to read what you have to say. I just wanted to thank you for all your hard work on my loan I REALLY appreciate it and you will be my lender for life.
Cedar Mortgage, established in 1981, is an independently owned mortgage brokerage firm, renowned for customer service and quality real estate programs. Our office family consists of qualified loan consultants and processing staff, and our lending portfolio represents one of the most comprehensive program collections in the United States.
Reviews (4)
Lunita S.
Oct 13, 2014
Report
Terrible experience. For someone (one of the sr. mortgage specialists, if requested by personal message I will send you his name and NSLM number which shows the date he really got his license) to claim that they have over 30 years in experience with helping to finance homes in Northern California, he was very limited in his knowledge of how to process an initial mortgage application for a small business owner to be sent to an underwriter for pre-qualification.
He not only did not understand the function of a schedule C form on a tax return or how to use the 1084 form, he was also highly insulting
He not only did not understand the function of a schedule C form on a tax return or how to use the 1084 form, he was also highly insulting
Jamie V.
Oct 21, 2010
Report
I would highly recommend Cedar Mortgage - especially Marge Nogosek - she provides top notch service for those looking for mortgage or refinance options. My husband and I are first time home buyers and didn't know much about how the process works. Marge was very informative and made sure we understood what we were doing every step of the way. She takes a personal interest in her clients and is always available when you need her. Along with a friendly, helpful staff, Cedar Mortgage has been nothing but a positive experience.
Helen B.
Feb 04, 2010
Report
The comments posted by this individual are totally ludicrous and unfounded. Mr. Nice G. is very biased and not a nice man.
How do I know? I'm the listing agent for the property that he was able to purchase and he did nothing but try to get his hands on everyones commission that they worked very hard for. Some clients are realistic and some are self centered and demanding. I don't think I am in need of telling which type of client Mr. Nice G. was.
He doesn't mention the numerous machinations it took to help him buy his home, or how many times he had his hands in everyone
How do I know? I'm the listing agent for the property that he was able to purchase and he did nothing but try to get his hands on everyones commission that they worked very hard for. Some clients are realistic and some are self centered and demanding. I don't think I am in need of telling which type of client Mr. Nice G. was.
He doesn't mention the numerous machinations it took to help him buy his home, or how many times he had his hands in everyone
W. E.
Jan 12, 2010
Report
Note: this is a mortgage company called Cedar Mortgage Company with address is in 1670 Hillsdale Ave B, San Jose, CA 95124.
This is a private company owned by Daniel Burke.
At the beginning, this person spoke nicely so I decided to use his service. I got the good faith estimate (GFE) toward the closing cost. The YSP (Yield Spread Premium) was $ 500 in the GFE.
Finally we got the loan through him but the YSP became more than $3000. My understanding is The YSP is the money left on the table that the mortgage broker will put it into his/her pocket. So I call him to get explanation about why the
This is a private company owned by Daniel Burke.
At the beginning, this person spoke nicely so I decided to use his service. I got the good faith estimate (GFE) toward the closing cost. The YSP (Yield Spread Premium) was $ 500 in the GFE.
Finally we got the loan through him but the YSP became more than $3000. My understanding is The YSP is the money left on the table that the mortgage broker will put it into his/her pocket. So I call him to get explanation about why the
