Why Get Pre-Approved?

Getting pre-approved for a mortgage is a smart move for anyone who is considering buying a home. This process involves working with a lender to determine how much money you can borrow and what your monthly payments will be. The benefits of being pre-approved include knowing your budget, which helps you to focus your home search on properties you can afford. Additionally, pre-approval shows sellers that you are a serious buyer, giving you an advantage in negotiations. Finally, pre-approval can help you close on your dream home more quickly since much of the paperwork and verification has already been completed. By being pre-approved for a mortgage, you can make the home-buying process smoother and more efficient.

We are a Local Lender

It is imperative that you choose a local lender vs. an internet based lender for a few reasons.

First of all, unless you know the person on the other end, it is extremely risky to work with someone who is on the other side of the country or out of the country altogether. You will be providing personal and financial information and you need to work with someone who you can verify is trustworthy.
Secondly, local lenders offer personalized service and may be more accessible for borrowers who prefer to work with a lender in person. They often have a better understanding of the local real estate market and can offer valuable insights and guidance throughout the home buying process.

Thirdly, most local real estate agents want to work with someone locally. In case there is a problem, they want to be able to visit the lender face to face and find solutions. Many times, internet based lenders stop answering the phone and lose contact which could cause potential problems and loss of money for you the borrower.

Additionally, local lenders may be able to offer unique loan programs and incentives that are specific to the local community.

Best Options

As a local mortgage broker we work as an intermediary between borrowers and multiple lenders to help find the best loan terms for our clients.

We have access to a network of lenders and can provide borrowers with a range of loan options from different lenders potentially giving borrowers access to better rates and terms.

We can also help simplify the loan application process by handling paperwork and communication with the lender on the borrower's behalf.

On average, mortgage brokers save borrowers thousands of dollars compared to retail lenders.

We know that each financial situation is different. We will not try to fit you in a box like most retail banks and lenders. We have a network of lenders and each one specializes in different products. We will find the one that fits best for your needs and financial goals.


Ruben Estrada

Mortgage Broker




Our goal is simply to be the trusted real estate advisors of our community.