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RA Real Estate Loans

Trusted Mortgage Brokers Located in Daly City

Frequently Asked Questions

What Are the Benefits of Using a Mortgage Broker vs. a Regular Bank?

A mortgage broker can be thought of as a one-stop-shop for homebuyers. Clients fill out one application and don’t have to seek out multiple quotes themselves.

Mortgage brokers offer impartial expertise. They have unmatched knowledge about what different lenders have to offer and can frequently get better rates than those offered by big banks.

Individuals with difficulty qualifying for bank mortgages, such as the self-employed, may also be more likely to qualify for a mortgage by working with a broker.

What Does a Mortgage Broker Do?

A licensed mortgage broker compares mortgages from all lenders to find the best, most affordable option for each client. Our mortgage brokers can help you navigate through the competitive market.

How Do I Choose the Right Mortgage Broker?

Schedule a consultation and ensure that your broker understands not only your property goals but also your general financial situation and outlook.

Who Pays a Mortgage Broker?

Mortgages are paid by the lenders, the homebuyers, or both.

Is a Mortgage Broker Worth It?

The answer is yes. In addition to the fees saved, homebuyers—particularly first-time ones— can appreciate the expertise of a broker.

What Are Some Tips for Getting the Lowest Rates When Refinancing My Mortgage?

Unlike second mortgages, which have an interest rate of 10% to 15%, mortgage refinancing is based on the best fixed or variable rates. Our mortgage broker can locate the best refinancing option for you.

Can a Mortgage Broker Get Me a Lower Rate?

Working alongside lenders, mortgage brokers can present you with many options. Our mortgage brokers are here to find you the best rate.

How Can I Get the Lowest Mortgage Rate?

The best way to get the lowest mortgage rate is to work with our licensed and experienced mortgage brokers.

What's the Difference Between a Pre-Qualification and Pre-Approval?

Pre-qualification is the first step and pre-approval is the second.

When you pre-qualify for a mortgage, you’ll be given an estimate of a loan you may qualify for based on your overall financial trajectory.

Pre-approval requires the completion of an official mortgage application and other necessary documentation. As a result, you will receive a conditional commitment for an exact loan amount.