Mortgage Brokers




Many Lenders use the services of Mortgage Brokers to perform what is known as the “Origination” of the loan – to meet with and prequalify the Borrower, verify the credit and property aspects of the loan, and then provide it to them for funding. For performing this function, the Lenders give the Mortgage Broker a WHOLESALE COST, a cost that allows your Mortgage Broker to always be competitive with those Lenders that utilize their own staff to perform the function of the Mortgage Broker. IT DOES NOT COST MORE TO USE THE SERVICES OF A MORTGAGE BROKER.


Your Mortgage Broker knows that the financing they provide has a third ingredient beyond rate and fees – timely performance. The Mortgage Broker has an intense desire to honor their commitment to provide financing requested in a timely manner, for to do so gives them the lifeblood of their industry – loan referrals from satisfied brokers and borrowers. THE MORTGAGE BROKER IS COMMITTED TO CUSTOMER SATISFACTION.


If you were to apply for a loan from a Lender would do what Lenders always do – make you fit their program. Your Mortgage Broker receives rate quotes daily from Wholesale Lenders, both local and out of area, with hundreds of different programs and loan approval criteria. Your Mortgage Broker, as the representative of the Borrower and not the Lender, then finds the program to meet the needs of the Borrower – the only real way to get the “Best Loan”. MORTGAGE BROKERS REPRESENT THE BORROWER – NOT THE LOAN PROGRAM.


Interest Rates change daily, and your Mortgage Broker can provide the Borrower the safest loan available. The Borrower can, under most programs, choose to obtain a letter of commitment from the Mortgage Broker ar initial application that will insure that the rate being offered will be available at the close of escrow. THE MORTGAGE BROKER PROTECTS THE BORROWER.


The world of mortgage finance is a world of constant change. Your local Mortgage Broker is dedicated to keeping up with this change to provide the maximum professional service to their clients. This dedication is based on the belief that professionalism is only achieved by having the correct blend of product knowledge, people knowledge, and an intense commitment to customer satisfaction. MORTGAGE BROKERS ARE PROFESSIONALS.

Craig A. Hart
Your Preferred Real Estate Agent
Hart In The House
BRE #01144682
(310) 462-6624