Services

San Bernadino Mortgage provides outstanding service with every single loan application. So although we have the capacity to fully automate our services we have found that understanding your intentions and goals through persoanl communication ultimately serves your interests the best.

PRE-QUALIFY

First things first: prequalifying for a morgage should never cost a dollar...so never pay any money up-front.

Features

• No Costs Involved
• Easily done over a phone call
• Gives you a good idea of where to start looking for homes

Capabilities

We offer complete prequalification services both over the the phone or in our office. Using the information you provide we can, in a matter of minutes, determine the home prices you can afford as well as establish the best loan strategy.

Primary Benefits

• Takes just a few minutes
• It starts the application process; all of the information gathered for your prequalification is used in your application
• Saves you time because Realtors usually prefer a prequalified buyer

PREAPPROVAL

Our pre-approvals are firm commitments to you

Features

• Costs you nothing but a moment of your time
• No worries because you know you'll close on time

Capabilities

The pre-approval process involves taking a complete loan application. However, the property info is left alone until you identify the property you wish to purchase. This is what all Realtors want to see from a Buyer..

Primary Benefits

• Easily done over the phone

• The pre-approval commitment letter carries significant weight when you are making an offer to purchase a home

• This can also be done online if preferred
  

AUTOMATED UNDERWRITING

We are able to approve your loan in an instant

Features

• Lightning Quick Approval
• Can lock in your rate immediately
• Available at all hours

Capabilities

Primary Benefits

• No worries. Once approved you just have to make sure the home appraises.
• Gives you more control knowing your status immediately
• Often requires you to collect less documentation than usual