What I value most about Express Funding is the customer service. Since my first positive experience with them, I've used them for all of our future real estate purchases. Brad Shoemaker and his staff are the types of professionals you want in your corner when making your important decisions on your home loan.
Brad at Express Funding is an exceptional mortgage broker. He is top shelf both in professionalism and getting the job done with the best possible mortgage rate. His expertise surpasses any conventional bank employee. Brad treated us with personal interest and made sure we got the absolute best loan at the best time with the maximum incentives.
Brad at Express Funding is an exceptional mortgage broker. He is top shelf both in professionalism and getting the job done with the best possible mortgage rate. His expertise surpasses any conventional bank employee. Brad treated us with personal interest and made sure we got the absolute best loan at the best time with the maximum incentives.
Services
For your appointment, be sure to present all the needed financial documents such as assets, financial statements, stock investments, property tax bill, etc. Not all of the aforementioned documents are required; however, it is much better for a person to be always ready in order to prevent any delays that may occur in the process.
Express Funding Mortgage specializes in residential mortgage financing to homeowners and buyers anywhere in California. We offer some of the lowest conforming and jumbo interest rates available in California. Some of the loan products we offer include new purchase mortgages, FHA loans, mortgage refinancing, investment property loans, vacation home financing, reverse mortgages (or home equity conversion mortgages) and even private money mortgages.
Express Funding can do a reverse mortgage HECM or conventional mortgage with some of the lowest rates and fees in the state of California. A reverse mortgage is a loan and you are borrowing against your home equity. However, unlike traditional mortgages, with a reverse mortgage you don't have to pay back the money borrowed as long as you are living in the home.
Mortgages can be generally categorized as conventional or non-conventional. Conventional mortgages are further categorized as conforming and non-conforming loans. Conforming loans are residential mortgage loans that correspond to the set of guidelines implemented by The Office of Federal Housing Enterprise Oversight (OFHEO).
Today like always, many people and families are out to secure the home of their dreams. They've worked hard for much of their life in order to obtain the funds necessary to allot for housing plans. However, despite how much a family earns, it's very rare for people to have the sufficient amount to completely pay for a house outright.
Reviews (5)
Alex Hetherington
Aug 26, 2015
Report
This review comes long overdue! We initially purchased our home and refinanced our home with Brad. Being first time buyers, we truly had no idea what we were doing. Brad came with great recommendations from a mutual friend who also does business with Brad. Once we first met with Brad we felt very comfortable and taken care of. Brad is extremely knowledgable and was able to explain everything to us each step of the way. He treated us with personal interest and made sure we got the absolute best loan at the best time with the maximum incentives. A year after our purchase Brad called us to let us
Steve P.
Mar 23, 2015
Report
Brad Shoemaker and his staff are the types of professionals you want in your corner when making your important decisions on your home loan. It gets harder every day to find trustworthy financial help, which is why we are so glad to work with Express Funding Mortgage. We bought our first home last year and found the best loan options with Brad, and refinanced this year thanks to the hard work and creativity of Brad and his team once again. None of this would have been possible without his help, it has been a wonderful outcome for our family and we are very thankful.
Janene Bacica
Jul 31, 2014
Report
My husband and I used Brad Shoemaker when we bought our home in 2003 with great success. Since then we have refinance 4 times, each time improving our rate with very little loan cost and personal service. The best thing I can say is I was always able to speak with Brad and he did exactly what he said he was going to do. I have recommended him to several friends and my sister. I trust him and highly recommend him.
Kim T.
Jun 06, 2011
Report
Brad at Express Funding is an exceptional mortgatge broker. I have had the pleasure of working with Brad several times over the years and he is top shelf both in professionalism and getting the job done with the best possible mortgage rate. His expertise surpasses any conventional bank employee - I know this first-hand. You can shop around, but you will never find another Brad! Kim T.
Jason B.
Jun 04, 2011
Report
This is the way the mortgage business should be done. My wife and I have used Brad Shoemaker at Express Funding numerous times since 2011. The very first time we used him was for a refinance. My wife and I were both young and very new to the housing market at the time. Brad, Janine and the entire team were so incredibly patient with us throughout the entire process and educated us along the way. Since my first positive experience with them, I've used them for all of our future real estate purchases.
This past November, we closed on our new house in Encinitas with a tight timeframe. The loan
This past November, we closed on our new house in Encinitas with a tight timeframe. The loan
