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4 Reasons to Use a Mortgage Broker to Get the Home Loan You Need in Southern California

Posted by Summit Lending on December 1, 2016
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Navigating in-and-outs of mortgage rates is complicated and time-consuming, but there's a far more efficient and effective route to take if you're interested in securing a mortgage in Southern California: hiring a trusted and experience mortgage broker who can act as your advocate and guarantee you the most competitive rates.

Consider the following ways in which an experienced and top rated Southern California mortgage broker can make all the difference when shopping for home loans in Orange County:
  1. Unlike a bank's loan consultant, a mortgage broker works for you
    Buying a home comes with many associated costs, and you may assume to save yourself some extra cash by foregoing a mortgage broker in favor of your own DIY approach. However, the problem with this route is that in addition to the time and detail you assume when you attempt to represent yourself, you are also dealing with a bank whose focus is to protect and advance their own interests. By hiring a mortgage broker to shop for the best home loan for you in Orange County, you make sure that your goals and budget are represented by someone squarely on your side.
  2. Mortgage brokers are bound by law to best represent your interests
    Not only must mortgage brokers present you with your complete options—including the very best ones for your needs—they must also justify their mortgage deal recommendations with hard logic. Serving the client's best interests is built into a mortgage broker's framework of duty, so you can rest assured that there won't be any unsightly deals or undercooked propositions made as you hunt for the best mortgage rate in Orange County.
  3. There's a lot more to mortgage shopping than comparing rates
    Because buying a home in Southern California is likely the biggest purchase an individual will make, there's loads of paperwork involved. Mortgage brokers know the language and intricacies of these agreements better than anyone, so who better to guide you through the process than an experienced Southern California mortgage broker who's professionally trained to do just that?
  4. No one knows the market better than a local mortgage broker
    The housing market—particularly in Southern California—is vast, complex, and ever-changing. It takes a professional with dedicated, practical experience to know what's fair and what isn't. Arming yourself with knowledge and research is a great start, but would you alone rely on your thrifted knowledge to guide you through the biggest investment of your life? Attaining a experienced mortgage broker whose number one goal is to see you in the home of your dreams—with terms that make the most sense for your goals and budget—is a no brainer.
At Summit Lending, we're proud to count ourselves among Huntington Beach's small business community and have worked in the Orange County, Los Angeles County, Riverside County, San Diego County, and throughout other Southern California housing markets for decades. With that specialized knowledge and experience at our fingertips, we can guide you to the best deal, on your terms.

Summit Lending is a top reviewed mortgage broker and lender, serving Orange County, Riverside County, San Diego County, and Los Angeles County housing markets. Summit Lending's team has the experience necessary to help you with all of your home financing needs, whether you're a first-time buyer or you've bought and sold multiple homes.

Based in Huntington Beach, CA, with offices throughout Southern California, we can be reached online, on Facebook or via phone at 888-451- 9006. From conventional fixed rate loans to Jumbo loans, VA loans and cash out refinances, we are eager to help you accomplish your short and long term real estate financing goals.