Mortgage Questions, Answered
Buying or refinancing a home comes with a lot of questions. Below are some of the most common things buyers and homeowners ask us as they’re thinking through next steps. If you don’t see your question here, we’re always happy to talk.
Working with a Mortgage Broker
What does an independent mortgage broker do?
An independent mortgage broker works on your behalf to evaluate loan options across multiple wholesale lenders, rather than offering products from just one bank. This allows for clearer comparisons, more flexibility, and guidance tailored to your situation. Our role is to advise you, coordinate the process, and help you understand your options so you can make informed decisions.
Why work with an independent mortgage broker instead of a bank?
Banks can only offer their own loan products. As independent mortgage brokers, we’re able to compare options across many lenders using one application and one coordinated process. Clients appreciate having someone explain tradeoffs, timing, and long-term impact, rather than navigating multiple institutions on their own. We act as your point of contact from start to finish and beyond closing.
How are mortgage brokers paid?
In most cases, our compensation is paid by the lender when your loan closes. Any options we present already include our compensation, so there is no separate fee for our guidance and coordination. This allows you to compare loan options clearly without worrying about additional upfront costs for working with us.
Loans & Options
What types of home loans do you offer?
We work with a wide range of loan programs through multiple wholesale lenders. This includes conventional and jumbo loans, refinance options, reverse mortgages, home equity loans and lines of credit, and other specialized programs depending on your situation. If a scenario falls outside our scope, we’re always transparent and happy to help connect you with the right resource.
Do you work with first-time homebuyers?
Yes. We regularly work with first-time buyers and understand how overwhelming the process can feel. Our approach focuses on explaining each step clearly, helping you understand your options, and making sure you feel prepared before moving forward.
Do you offer reverse mortgages for seniors?
Yes. Reverse mortgages can be a helpful option for homeowners age 62 and older who want to access equity while remaining in their home. We take a thoughtful, education-first approach to reverse mortgage conversations so clients and families can decide whether it fits their long-term plans.
Process & Timing
What does the mortgage process look like?
The process typically starts with a conversation to understand your goals and timeline. From there, we gather documentation, evaluate loan options, and help you prepare for next steps. Once you’re ready to move forward, we coordinate underwriting and closing while keeping you informed throughout. Every situation is different, but our role is to guide the process and reduce unnecessary stress.
How long does it take to get preapproved?
In many cases, preapproval can be completed within 24 hours once we’ve received the necessary information and documents. More complex situations may take additional time, but we’ll always let you know what to expect.
When does refinancing make sense?
Refinancing depends on several factors, including your current rate, how long you plan to stay in the home, closing costs, and your broader financial goals. Rather than trying to time the market perfectly, we help clients identify a “strike rate” so they know when refinancing makes sense for their situation.
Location & Licensing
Where are you licensed to work?
We’re based in Ventura, California, and licensed to originate loans throughout the state. We work with buyers and homeowners across Ventura and Los Angeles Counties and beyond.