Joel Spolin, noted among the nation's top mortgage bankers by Mortgage Originator Magazine, is one of Palo Alto's most well-known names in residential and commercial loans. We help consumers and investors secure the best mortgage financing available in the marketplace by using our MatchLoan system representing over 70 of the nation's top mortgage lenders.
We help our clients purchase a new home or property, or refinance their existing mortgage to improve the terms and condition. We feature "bridge loans" to help clients buy before they sell, and offer many no-cost refinances where we pay all of the closing costs. We help clients renegotiate or restructure existing mortgages in situations where the loans are "underwater" or in the event of financial hardship.
We do not charge for this service - it is free to the community.
We help our clients purchase a new home or property, or refinance their existing mortgage to improve the terms and condition. We feature "bridge loans" to help clients buy before they sell, and offer many no-cost refinances where we pay all of the closing costs. We help clients renegotiate or restructure existing mortgages in situations where the loans are "underwater" or in the event of financial hardship.
We do not charge for this service - it is free to the community.
Services
SpoLoan was founded by Joel Spolin, one of the region's leading names in residential and commercial mortgage banking.
Building on more than twenty years' experience in the increasingly complex mortgage industry, Joel saw a growing need to combine personalized, executive-level service with the technology required to analyze literally thousands of mortgage products - all in the service of finding the most favorable financial package for each borrower's unique needs.
Over the past two decades, Joel has funded more than $2 billion in mortgage loans - closing as much as $135 million per year in loans and ranking as high as the nation's 26th largest mortgage originator by Mortgage Originator Magazine.
Building on more than twenty years' experience in the increasingly complex mortgage industry, Joel saw a growing need to combine personalized, executive-level service with the technology required to analyze literally thousands of mortgage products - all in the service of finding the most favorable financial package for each borrower's unique needs.
Over the past two decades, Joel has funded more than $2 billion in mortgage loans - closing as much as $135 million per year in loans and ranking as high as the nation's 26th largest mortgage originator by Mortgage Originator Magazine.
Founded by Joel Spolin, one of the region's most well-known names in residential mortgage banking, SpoLoan was created to deliver the highest level of premium mortgage service available.
Building on over twenty years of experience gained by personally arranging more than $2 billion worth of residential loans, Joel saw a growing need to help clients overcome the uncertainties of today's complex mortgage environment.
At SpoLoan, we begin by providing each client with a truly personalized, one-on-one relationship.
Building on over twenty years of experience gained by personally arranging more than $2 billion worth of residential loans, Joel saw a growing need to help clients overcome the uncertainties of today's complex mortgage environment.
At SpoLoan, we begin by providing each client with a truly personalized, one-on-one relationship.
From reduced-rate first-time homebuyer loans to Jumbo home loans to large-scale commercial mortgages, SpoLoan's MatchLoan system has the ability to sort through the offerings of over 70 national lenders and identify the most advantageous loans for your unique situation.
Working with you, we'll identify and help eliminate potential weaknesses in your application.
And then we'll negotiate on your behalf to deliver you the right loan at the right rate.
Whether you need a new home, a new loan for your existing home, or a new swimming pool, SpoLoan is here to help.
Working with you, we'll identify and help eliminate potential weaknesses in your application.
And then we'll negotiate on your behalf to deliver you the right loan at the right rate.
Whether you need a new home, a new loan for your existing home, or a new swimming pool, SpoLoan is here to help.
People often ask us how we get paid.
In a nutshell, we represent many of the nation's largest lenders and act as their outsourced sales team.
Each time we bring a lender a mortgage, that lender pays us a fee out of their own revenues - a fee is fully disclosed to you upfront and in writing.
And did you know that many of the nation's largest lenders close more loans through their broker channel than through their own captive sales force?
How can this save you money?
Two ways.
First, because our cost of doing business is often much lower than the large financial institutions', the final cost to you is often much lower.
In a nutshell, we represent many of the nation's largest lenders and act as their outsourced sales team.
Each time we bring a lender a mortgage, that lender pays us a fee out of their own revenues - a fee is fully disclosed to you upfront and in writing.
And did you know that many of the nation's largest lenders close more loans through their broker channel than through their own captive sales force?
How can this save you money?
Two ways.
First, because our cost of doing business is often much lower than the large financial institutions', the final cost to you is often much lower.
It's unlikely that any single lender chosen at random will have the one mortgage in the entire industry most suited to your needs.
For instance, some borrowers are seeking the lowest interest rate.
Others need to find a lender who is forgiving of credit issues, or who offers loans with exceptionally low down payments.
Still others are seeking a lender who will allow non-permitted property improvements to be included in the appraised value.
And on and on.
At SpoLoan, we act as a sort of supermarket with literally hundreds and hundreds of mortgage products on our shelves - all offered by a variety of major national lenders, each one available, but each with different combinations of benefits and potential drawbacks.
For instance, some borrowers are seeking the lowest interest rate.
Others need to find a lender who is forgiving of credit issues, or who offers loans with exceptionally low down payments.
Still others are seeking a lender who will allow non-permitted property improvements to be included in the appraised value.
And on and on.
At SpoLoan, we act as a sort of supermarket with literally hundreds and hundreds of mortgage products on our shelves - all offered by a variety of major national lenders, each one available, but each with different combinations of benefits and potential drawbacks.
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