It takes more documentation and patience to find and get approved for a mortgage today and it is a big decision. I provide dedicated, experienced and individual advice so you make the best choice - for you. Whether you are salaried, self-employed, a first-time homebuyer or just want to know what it takes to qualify, I can help.
With over 30 years in banking and mortgage origination I and have helped hundreds of homeowners all over California with mortgage advice for a purchase or to reduce monthly payments. You will have access to the widest range of loan programs, with top tier lenders, at competitive rates, always for Conforming, Jumbo, Super Jumbo, FHA or VA.
With over 30 years in banking and mortgage origination I and have helped hundreds of homeowners all over California with mortgage advice for a purchase or to reduce monthly payments. You will have access to the widest range of loan programs, with top tier lenders, at competitive rates, always for Conforming, Jumbo, Super Jumbo, FHA or VA.
Services
Choosing the right mortgage starts with an understanding of each client's unique situation and long term goals. The payments and type loan have to fit the first few months as well as the longer term. You want the home you really want but you need to be able to sleep easy. In these the rate can adjust.
Changes are coming to the FICO credit-scoring system, potentially allowing millions of people to better to qualify for mortgages and get better rates! The Wall Street Journal reported that Fair Isaac, which produces the FICO score, will no longer include failures to pay bills when calculating a score if the issue has since been resolved.
David provided a comprehensive range loan products for our consideration and helped us get the best financing for our needs. The entire process was smooth and transparent, with a focus on value and on an easy escrow. David's team was professional and responsive. Thank you David so much for great job with our loan.
Reviews (2)
Drew Matich
May 30, 2015
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Since getting credit has gotten more difficult and cumbersome over the last few years (even for credit score rockstars), I can't recommend highly enough the use of a reputable mortgage broker to run interference with the big bad banks.
Enter David Garrett.
I met David through a work project a few months back, and he was kind enough to update me on rates, etc. during the months we were considering a refinance on our home. When we were ready to push the button in early August, he was ready with a comprehensive checklist of items he needed to see the process through. And of course, we had a few
Enter David Garrett.
I met David through a work project a few months back, and he was kind enough to update me on rates, etc. during the months we were considering a refinance on our home. When we were ready to push the button in early August, he was ready with a comprehensive checklist of items he needed to see the process through. And of course, we had a few
Rainer Hosch
May 15, 2015
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