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About us

Let's embark on the journey of how it all started

Our pledge to excellence in providing personalized mortgage solutions for your unique path to financial success and homeownership.

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Our Story

Douglas Sorto
Mortgage Broker

We are a licensed, local mortgage broker with more than 2 decades of mortgage experience. We are independent and do not work for a specific bank or lender. That independence is your secret home financing weapon, since we can shop multiple wholesale mortgage lenders on your behalf — giving you access to more home loan options than what a bank or online lender can offer.

The result is typically a cheaper, faster and easier mortgage for you.

14 days

Avg. Closing Time

50+

5 star reviews

17+

Years of mortgage experience

Our presence

Licensed in California

Our team

Meet our team of mortgage experts

Douglas Sorto
Loan Officer  |  NMLS #1689962
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Process overview

Our simple home loan process

1
Pre-Approval

Before house hunting, potential buyers should get pre-approved for a mortgage. This involves submitting financial information to a lender who then evaluates credit history, income, debts, and assets to determine how much they can lend and at what interest rate.

2
Loan Application

Once pre-approved, buyers can start looking for a home within their budget. After finding a property and agreeing on the price, they formally apply for a mortgage. This step requires updated detailed financials and documentation.

3
Lock Rate

When you lock in a rate, you and the lender agree to a specific interest rate for your mortgage. This rate remains unchanged irrespective of market fluctuations during the lock period. The lock-in period usually ranges from 15 to 60 days, though it can be longer.

4
Loan Processing

The lender processes the application, which includes verifying all the information provided by the applicant. They may request additional documents or clarification. During this stage, an appraisal of the property is also conducted to assess its market value.

5
Underwriting

In this critical phase, the underwriter reviews all documentation and decides whether to approve or deny the loan based on criteria like credit score, debt-to-income ratio, and property value. This is where the lender takes on the financial risk of the loan.

6
Closing

The final step is closing. This involves signing a variety of legal documents that finalize the mortgage agreement. The buyer typically pays the closing costs, and the ownership of the property is transferred. Once this is completed, the buyer is now the new owner of the home!

Take your first step towards your home loan journey

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No impact on credit score
No hidden costs
No documents required