Our focus, as experienced real estate loan brokers, is to help you through the complicated guidelines of the home loan process. We will let you know within minutes, whether or not your home loan is approvable. When possible, we will help you improve your credit score if it will help your chances of getting your loan  approved.

Have you been turned down by Wells Fargo, Bank of America, Citi or Chase (the big four)? Or have you been in their system for more than 60 days without resolving the issues. The big guys seem to be just loading up their pipelines instead of getting mortgage loans funded.

None of these lenders are actually funding real estate loans that are under $625,500. The buyers for all of these real loans are Fannie Mae and Freddie Mac. Unless your loan is over $625,500, it will not be held within the bank. They will probably only retain the servicing of the loan which merely means collecting the mortgage payments.

All mortgages below $625,500 (single family home), $800,775 (duplex),
$967,950 (triplex) and $1,202,925 (four units)
are being packaged for and being sold to Fannie Mae and Freddie Mac.

We are local, we know the guidelines and we are here for you. We will treat you with respect and give you the personal attention you deserve. We understand the big commitment you are making in purchasing a home, refinancing or taking out some of your  home equity. So we make a promise to you:  we will help you qualify, apply and be approved for the very best real estate loan for your needs and we hope to save you money in the process.  We are not restricted to only one set of lenders or products.  We would love to speak with you if you think you have been turned down unfairly or treated poorly.  We may be able to save the day!

We are just one phone call away: (415) 505-0053 or (415) 250-5157 or simply fill out our form for a Free Consultation with a local professional mortgage broker with more than 25 years experience in finance.

Experience, Experience, Experience = Success

We left a two-decade plus relationship with our previous mortgage company in July of 2007. We were sensing the upcoming mortgage crisis and the need to get independent and lean. The rest is history. That company shut its doors along with many others leaving many of our colleagues “blindsided” or out of the business.

This degree of foresight comes from many years in the mortgage business and is essential in determining market conditions and the direction of current mortgage rates. We have a straightforward, cost-conscious approach to our business.  No expensive radio ads, fancy offices or singing videos.  We focus on you and closing your home loan at the lowest cost and  best rate available.  We are always available for your convenience.

Finding your dream property is exciting.
Our mission is to make your home loan the best possible.

-T Rae Greenlee