I started in the Real Estate industry as a kid. My parents were always buying, fixing up and renting homes. In the process, I learned a wealth of information about Real Estate. My mother went on to become a Real Estate broker 20 something years ago so I grew up with her influence. I decided to enter the Real Estate industry when I moved to California in 2007, received my license and started selling homes in 2009.
After being awarded the President's Club Honor in 2012 by J. Rockcliff Realtors, I decided it was time to work on the other side of the business doing home loans. My analytical brain enjoys crunching numbers and my social side loves helping my clients. Throughout my career, I have always had a dynamic approach to marketing and a high level of customer service.
After being awarded the President's Club Honor in 2012 by J. Rockcliff Realtors, I decided it was time to work on the other side of the business doing home loans. My analytical brain enjoys crunching numbers and my social side loves helping my clients. Throughout my career, I have always had a dynamic approach to marketing and a high level of customer service.
Services
Since there are so many components to the mortgage process, we have taken special care to organize the most important qualifying steps, lending frequently asked questions, home buying and mortgage processes below.
We realize that that the information contained in this site could literally take you weeks to research and digest, so please feel free to call us at any time for a personal consultation with an experienced Walnut Creek Mortgage Lender where we can address your specific needs and questions.
We realize that that the information contained in this site could literally take you weeks to research and digest, so please feel free to call us at any time for a personal consultation with an experienced Walnut Creek Mortgage Lender where we can address your specific needs and questions.
Simply put, a mortgage is a loan secured by real property and paid in installments over a set period of time. Qualifying for a mortgage requires meeting a pre-determined set of guidelines established by a lender, which may include credit history, income, employment and assets. In addition to personal qualifying factors, a property must also meet certain standards set by lenders before a borrower can obtain a mortgage loan secured by real estate.
Lenders look at a borrower's credit score, number of open accounts, payment history, type of credit borrowed and a series of other factors when determining what level of risk to assess to each lending scenario. Down payment requirements, loan programs, flexibility on income and even interest rates can be impacted by a slight bump in a credit score.
Interest rates are impacted by a borrower's credit score, loan term, mortgage program and a series of market factors that are outside of our control. Unfortunately, many advertisers will tease a low interest rate in a marketing campaign for the purpose of creating interest in a specific loan program which may only fit a unique type of qualified borrower.
It's obviously important to know how much home you can afford, what type of down payment to budget for, monthly mortgage payment as well as what type of loan program you'll be using to finance the new property. Certain mortgage loans have residence type, HOA, appraisal or insurance restrictions that your agent needs to be aware of prior to showing you listings.
Reviews (21)
Connor M.
Jul 05, 2021
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This guy is AMAZING! He helped me with my second home purchase in February 2020. He is a fountain of knowledge, answers questions, returns phone calls, and answers emails without hesitation. He breaks things down to you in a way that you will understand while checking all avenues and all possibilities. He will have your back all the way until the end. Craig has the experience and the knowledge to meet your needs. I wouldn't reccomend anyone else.
David T.
Aug 02, 2019
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David Tobias
May 17, 2019
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I was lucky enough to find Craig online after searching for a lender who could complete a home loan after a short sale. Craig was quick to respond with all of the pertinent information about the loan process and was readily available to answer any of our questions (even after hours on his cell phone) to us during our home search. When we found the home of our dreams, Craig and his team were able to close the loan AHEAD of schedule and was able to coincide the closing of our new loan with the sale of our old property without any challenges. His team was in constant communication with me which made
Deb E.
Mar 01, 2019
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We found Craig 3 years ago when no one else would work with after our short sale 2 years earlier; 3 yrs later he helped us refinance. He was thorough, kept us up to date with every step of the process and made a stressful process a lot less stressful. We have now worked with him twice and would recommend him to everyone.
Tyler P.
Jul 05, 2018
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W. N.
Mar 23, 2018
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Craig is excellent, and we are happy. We had a loan complication with our original lender, and contacted him to process a loan application within a short time restriction. Craig was able to address our complication, and was very responsive, informative, and very fast in processing our loan with a very competitive rate. I definitely recommend his services.
Aravind S.
Jun 01, 2017
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I had less than month and half to purchase a home and found only few lenders willing to give it a shot. Add to it the complexity my application presented! I then found Craig online and sent him a note explaining my situation and he immediately responded and took my case. Craig and his awesome team put in tremendous efforts to get my loan closed in a timely manner. Extremely responsive and gave me immense confidence in every step of the process. Any question I had, Craig was able to give a clear explanation. He is an excellent advisor and clearly knows how to present a complex case. I would recommend
Tiffany Lee
Oct 24, 2016
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Craig and his team made the impossible possible! We are so thankful for their attention and patience with us. We were really discouraged by being turned down by other banks and Banc was our final resort. Two other banks couldn't figure out our file, and it led to delays which were frustrating and ultimately killed the deal. Long story short, we got a second chance, but this time we entrusted Craig with our file. We had found him through Yelp and Zillow reviews saying such great things about him.
In our initial conversation with him, Craig was able to tell us about the process and reviewed our
In our initial conversation with him, Craig was able to tell us about the process and reviewed our
Claire Newman
Aug 02, 2016
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Mandi Moran
Jul 07, 2016
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Craig does what he says he can do! I've been a realtor for 10 years, a lot of lenders will tell you that they can do things that they just can't. Craig is upfront and honest from the get go.
Craig has closed 2 loans for my husband and I personally in the last 2 years. The first was our primary home. We needed a jumbo loan after having a short sale. Craig pulled it off AND did it in 30 days! We are forever grateful, as we absolutely love our home.
We just purchased a second home with Craig, and, just as he said he would, he closed it again--all with the lowest rate I've heard of right now! He
Craig has closed 2 loans for my husband and I personally in the last 2 years. The first was our primary home. We needed a jumbo loan after having a short sale. Craig pulled it off AND did it in 30 days! We are forever grateful, as we absolutely love our home.
We just purchased a second home with Craig, and, just as he said he would, he closed it again--all with the lowest rate I've heard of right now! He
Xing L.
Jun 09, 2016
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We recently did a loan with Craig and the experience exceeded expectations. We were under an incredibly tight deadline to remove loan contingency and it wasn't a straightforward loan to begin with- but Craig was able to pull through all the wrinkles and get us to close on time. We were really impressed by his professionalism, incredible attention to details, and willingness to go above-and-beyond to meet customer needs. I would not hesitate to recommend his service to anyone.
Am B.
Mar 22, 2016
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Craig is the only lender who could close our loan - others promised but never could deliver. We had a short sale which made our loan tricky. We're in Texas and it was hard to believe how easy it was to get everything done on time even when we were half-way across the country. Very good communication through the whole process, and worked very hard to meet our moving target of a close date (important if you have to move on time!). Craig will be my go-to lender from now on.
Lis B.
Jan 15, 2016
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I have to commend Craig for doing a phenomenal job of getting a tricky deal closed. My clients had tried several lenders before connecting with Craig but he was the ONLY one who was able to successfully navigate this challenging purchase through to closing! While I wish we had found him first, I am sure thankful he was the last. Thanks Craig!
Ryan D.
Oct 06, 2015
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I did a loan with Craig and his team and they made it as easy as possible. I found Craig to be very professional and quick to respond to my questions. I work in the industry and know how all the regulations can slow the process down and make it more difficult. Craig made it incredibly easy and we closed in less than 2 weeks! I am grateful for Craig and his team and would highly recommend them!
Reina A.
Sep 02, 2015
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I was the agent representing the buyer on a purchase in the 4S Ranch area and Craig was the lender. I work with a lot of lenders, some are great, and some not so much. Craig and his team were on top of the transaction the entire time. They provided updates to me and my team, and ended up getting the loan approved ahead of schedule. We closed a week early!
Melissa A.
Aug 27, 2015
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Mike V.
May 10, 2015
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I am a veteran who recently went through a loan modification in September of 2013 on a rental property. I completed the loan modification in February 2014 and was unable to refinance my primary mortgage/residence because of this loan modification on my rental property. Long story short I contacted every va broker I could find and all of them gave me the run around or told me I needed to be 2 years out from my loan modification completion date. Well I came across craig bosse on google and he told me he was able to help me with a va refinance as long as I was one year past my loan modification
Melissa H.
Apr 18, 2015
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Mandi M.
Feb 11, 2015
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Ok--I found Craig by googling "Can I get a jumbo loan after a short sale?"
I am a realtor myself & had short sold my own home in 2010. My husband & I were looking to enter the market again 4 1/2 years later, but, we needed a jumbo loan. My go-to lender, who has always been honest with me, told me that he didn't know of anyone doing jumbos after short sales, but, that I might find someone. ENTER, Craig.
From the first time I contacted Craig & gave him all of our information, he told me he didn't see any issues & that he would be able to do it. Being a little
I am a realtor myself & had short sold my own home in 2010. My husband & I were looking to enter the market again 4 1/2 years later, but, we needed a jumbo loan. My go-to lender, who has always been honest with me, told me that he didn't know of anyone doing jumbos after short sales, but, that I might find someone. ENTER, Craig.
From the first time I contacted Craig & gave him all of our information, he told me he didn't see any issues & that he would be able to do it. Being a little
Alicia V.
Sep 02, 2014
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Our experience with Craig was outstanding. He and his team were able to accomplish more than we thought possible and amazingly quick. Craig is knowledgeable, efficient, quick to answer questions, return calls and keep you updated on your loan status. We highly recommend Craig to anyone looking to purchase or refinance a home!!
Keri T.
Jun 09, 2014
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