Can be one of the largest financial decisions of your life. At North Valley Mortgage, you will not only receive expert advice through the complex mortgage lending process, but a trusted mortgage adviser for life. While working with you on your current transaction, we aim to take into consideration your long range plans in addition to your immediate needs.
We are pleased to offer you a wide range of choices and access to loads information while weighing and balancing your financial interests and goals throughout your ever changing life. In addition, we always offer the very best interest rates available on the market today. Being more than just a Mortgage Loan Originator or Broker, think of us as your Mortgage Planner for life!
We are pleased to offer you a wide range of choices and access to loads information while weighing and balancing your financial interests and goals throughout your ever changing life. In addition, we always offer the very best interest rates available on the market today. Being more than just a Mortgage Loan Originator or Broker, think of us as your Mortgage Planner for life!
Services
For many, getting a home loan can seem like a difficult process. With so many loan options to chose from, confusing industry terminology, and uncertainty about your credit score, there are many reasons why people would prefer to put it off till next week or even next month. We take great care and pride in the responsibility of guiding you through this process.
Mortgage brokers are licensed, independent contractors associated with independent, licensed brokerage companies, who work on 100 percent commissions to connect mortgage consumers (those seeking to finance a home purchase, and those seeking to refinance their current homes) with loans from a variety of mortgage banks and lenders.
Before you make an offer on any home, your real estate agent WILL NEED a pre-qualification letter from your bank or lender. This is where we come in. No offer in today's environment is submitted without proof that you can get financing unless you are paying cash for the home. Before you begin to shop for a new home, you should set up a time to meet with me by phone or email, so that we can assess your needs and see how much you can qualify for.
Here is the information generally required to get pre-qualified for a mortgage. It's important to state that any information you send to us is 100 percent, fully secure. And I never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage bankers about you and convince them to loan you money.
A large portion of the loans originated on the market today fall under the Conventional Loans category. These loans are underwritten using Fannie Mae and Freddie Mac guidelines. Conventional loans are considered "conforming" if they are $424,100 or less for a single-family home. Conforming loan limits can be higher in regions designated as "high cost".
Reviews (10)
Courtney Welborn
Dec 28, 2021
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Mark was very helpful in getting us the best rate possible. He explained the process very clearly and was on top of things every step of the way, which was great as timing was very crucial in our situation. He made the whole thing go as smoothly as possible. I highly recommend Mark to anyone thinking about refinancing.
Padma Bonugu
May 22, 2021
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Glen Skelton
May 20, 2021
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Kevin Sevier
Feb 01, 2021
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Patty Davis
Sep 17, 2020
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Mark is an amazing person and a great Lender/Real Estate Broker! He made the entire process smooth and understandable. Being first time home-buyers, we didn't know what to expect -- there's only so much research you can do before you're in the real moment! Mark was incredibly kind, knowledgeable, and patient. We never felt rushed, pressured, or unheard. Mark made sure to walk us through the process and checked in frequently to make sure we were happy with everything. We found a home that we love, in the neighborhood we desired! It's been an incredible experience, and we feel lucky to have Mark
Madison Burnett
Aug 11, 2020
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This was our first time buying a house and we didn't know the process, Mark was great at explaining everything! Mark is very experienced and he was on top of it at all times. We closed on time and he made the process smooth. We felt we were in good hands the whole time and the communication was excellent. I highly recommend Mark and I would use him again! 🙂
Nickole Donnici
May 30, 2020
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Madeline Orange
Jan 01, 2020
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Mark was fantastic throughout our home buying adventure. His communication was clear and he explained the process along the way while keeping us informed of what was needed. He was able to accommodate a quick close and made the process smooth and worry free. He was sincere, timely, dependable, and committed to getting us a loan that met our needs. Mark was a joy to work with; I highly recommend him for a home loan.
Dana Sandifer
Oct 12, 2019
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Mark was wonderful to work with while purchasing my home. He explained everything in such a way that it was easy to navigate the somewhat-daunting financial process. He was able to accommodate my erratic work schedule to make sure we got things signed and turned in on time. I will not hesitate to refer him to anyone I know who is looking to buy a home.
Jo Ann Wichmann
Sep 07, 2019
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I have done several loans with Mark Cato of North Valley Mortgage. Some home purchases and a couple of refinances. Mark is absolutely the best at explaining the process every step of the way, paying attention to detail and getting loans closed fast and professionally. I was forced to use another lender when purchasing property in another state and I can say that there is no comparison. You can't go wrong with this lender.
