The box to the right is updated daily.  This is the best tool for anyone who is shopping for realistic rates at par pricing.  These rates represent someone who has perfect credit, collateral, capacity to repay, loan amount and equity in their home or 20% down payment plus closing costs.  I hope this saves you time and you can continue on your shopping quest.

The Truth is... Most of us do not fit into this "cookie cutter" mold.  That is why you need a lender who has all the newest programs, technologies and relation-ships with the right investors.

Programs... You can access any of the following programs through Market Mortgage and many are designed for the First Time Home Buyer. Fannie Mae, Freddie Mac, FHA, FHA 203k (and streamline), VA, CalHFA, CalPERS, CalSTRS, Access, First House, Down Payment Assistance Programs, USDA Rural Development, Reverse Mortgage (FHA-insured), Non-conforming, Jumbo loans and Hard Money.  Bottom line is... we have access to the programs you need.  With this many programs it can seem mind-boggling, but rest assured, you don't need to be an expert on them; that's our job.

Technology & Security...  These two philosophies go hand-in-hand.  We have the best security of your personal information through our advanced technologies.  Through Cert-mail, Sure Docs and a host of other security programs we safeguard your information from start to finish. 

SYSTEM...  Because we believe in working with a SYSTEM (Save Yourself Some Time Energy & Money) we are able to save you all of the above.  This keeps our cost at an ultra-low and in return we are able to pass the savings along to you through our industry leading low rates and fees.  Please feel free to learn more about this philosophy by selecting the SYSTEM button on the upper left.                        

 An Educated Borrower...   We believe the more educated on our loan programs and process you are, the more efficient we become.  Our motto says it all "making good loans easy".  We are here to help you!  You can navigate through our entire website without one pop-up trying to get your information so it can be sold or for some hard core salesperson trying to push products on you that you don't need or want.  If you choose to, you can always e-mail or call us for more information on a particular situation you may be in.  Remember, we hold your information with the highest confidentiality and it will never be sold or passed along.  We only share your information with those who have a need to know; to make your loan process seamless.