Get the best loan (for YOU!)

"If it seems to good to be true..."

Doesn't it seem like we're bombarded just about every day on television and while sorting through the mail (while standing over the trash can if you are like us) with messages about amazingly low rates on mortgages?  The offers seem too good to be true and leave you wondering what the catch might be.  In fact, while the mortgage industry is not the only offender in this regard, ads for just about any service are designed to little more than make the advertisers phone ring.

Work with someone you trust.

Somewhere along the line, you will need a home loan.  The question is, do you really trust the person on TV or the stranger who sent you a post card last month?  If you are like many people, you want to work with someone you know you can trust and if you don't know that person, you will probably call a person you trust to find out who they've used.

If that is what brought you here, we're not surprised.  That is how every one of our clients ends up working with us.  We couldn't be more flattered.

Call us at 916.632.3344 and take as much time as you like getting your questions answered.  In the meantime, you may rest assured that you'll receive the same exceptionally high regard, respect and service that our other clients enjoy and thank us for.

Getting the lowest rates

It is little surprise that our clients demand the lowest rates. Fortunately, we consistently beat our competitors with lower rates. There are a number of things that keep us at the front of the pack. Among them;

• Extremely low overhead - from corporate headquarters to our branch office, we keep costs down and allow you to share in the reward.
• Sophisticated Pricing Engines - we use advanced technology and pricing engines to shop your loan across many, many lending options and save you thousands over the life of your loan.  If needed, we have literally hundreds of options to check to make the best decsion on your behalf.  If you thought that shopping for the best rate was a smart thing to do, you'r right.  The good news is we already do that for every one of our customers.
• Analytical Services - mortgage rates are tied to the performance and rates of only one thing - mortgage backed securities. As the rates on mortgage-backed securities change (continuously thougout the day) mortgage rates follow these flucuations. We like to be able to take advantage of this for our customers. With the help of the analytical services that we invest in, we watch these peaks and dips and lock your loan at the lowest rate possible. Rates trend up and down and lowest point.....LOCK!
• Never heard of PRMI? Maybe that's a good thing. - Don't let the absence of expensive advertising campaigns give you the impression that we are small. Our parent organization, Primary Residential Mortgage, INC (PRMI) is a quickly growing mortgage bank that has approximately 200 branches across the nation. Between them, they coordinate billions of dollars a month in mortgages. That lending volume, coupled with the the 'lean' manner in which this company is run, allow us to keep our rates very, very low.

Have a question now?  Call us at 916-632-3344 or send us an email.