As recommended by Money Magazine, Vestira is a founding member of the renown non-profit UPFRONT MORTGAGE BROKER ASSOCIATION. There are fewer than 100 Real Estate Brokers with this elite designation in the country! As Silicon Valley's Upfront Mortgage Broker, Vestira is committed to conducting business in an upfront and fully transparent way by disclosing fees in advance, in writing, as well as providing wholesale loan prices (rates and points) to our clients.
Vestira, Santa Clara County's Upfront Mortgage Broker, is committed to helping you secure the right loan product. We understand that every borrower is different, and we offer a variety of programs tailored to meet your individual needs. As an Upfront Mortgage Broker(R), Vestira, the Bay Area's Upfront Mortgage Broker, makes the process of securing a mortgage simple and straightforward by offering sound advice and the latest in financial tools that enable you to make the right financial choices.
Vestira, Santa Clara County's Upfront Mortgage Broker, is committed to helping you secure the right loan product. We understand that every borrower is different, and we offer a variety of programs tailored to meet your individual needs. As an Upfront Mortgage Broker(R), Vestira, the Bay Area's Upfront Mortgage Broker, makes the process of securing a mortgage simple and straightforward by offering sound advice and the latest in financial tools that enable you to make the right financial choices.
Services
Vestira is a team of finance professionals with extensive experience in real estate, banking, and the law.
A California licensed attorney and real estate broker, Brian Rossman, Broker & President of Vestira, has been providing financial and legal services to home and business owners since 1993.
Mr. Rossman's practice includes an emphasis on real estate and corporate matters involving financing and entity formation issues.
Every clients needs are different and so should their approach to financing a new home, a new office, a new business, or refinancing an existing loan or mortgage.
A California licensed attorney and real estate broker, Brian Rossman, Broker & President of Vestira, has been providing financial and legal services to home and business owners since 1993.
Mr. Rossman's practice includes an emphasis on real estate and corporate matters involving financing and entity formation issues.
Every clients needs are different and so should their approach to financing a new home, a new office, a new business, or refinancing an existing loan or mortgage.
What is the difference between a Fixed-Rate Mortgage and an Adjustable-Rate Mortgage (ARM)?
The actual saving depends on how effectively you would have shopped on your own behalf, if you had elected to do that rather than using an UMB.
Only thorough and meticulous shoppers who place no value on their shopping time should disregard this source of value.
Counseling to Determine the Least-Costly Loan Program: Brokers also provide counsel on the loan program that best meets the customer's needs.
Usually the customer doesn't realize the full benefit of careful program selection until later, perhaps years later, but sometimes the benefits are reaped upfront.
The actual saving depends on how effectively you would have shopped on your own behalf, if you had elected to do that rather than using an UMB.
Only thorough and meticulous shoppers who place no value on their shopping time should disregard this source of value.
Counseling to Determine the Least-Costly Loan Program: Brokers also provide counsel on the loan program that best meets the customer's needs.
Usually the customer doesn't realize the full benefit of careful program selection until later, perhaps years later, but sometimes the benefits are reaped upfront.
I conduct a lot of research before I select a service provider.
In the case of a mortgage broker, it was not any different.
During my search, I discovered in the Real Estate section of the local paper, some lenders advertise their interest rates.
After checking with a number of these brokers, I found that their advertised rate was much better than their actual rates.
I discovered that their advertised rates were not real.
They indicated that their rates were only good for the day they submitted it to the paper and that rate also included no lock-which means that I would only obtain the rate that was priced at the time I submitted a completed file to the lender.
In the case of a mortgage broker, it was not any different.
During my search, I discovered in the Real Estate section of the local paper, some lenders advertise their interest rates.
After checking with a number of these brokers, I found that their advertised rate was much better than their actual rates.
I discovered that their advertised rates were not real.
They indicated that their rates were only good for the day they submitted it to the paper and that rate also included no lock-which means that I would only obtain the rate that was priced at the time I submitted a completed file to the lender.
Most busy home buyers can only take the time to compare programs at a few local lenders.
When Vestira shops for you, we work with different lending institutions nationwide.
We work with lenders in cities you might not think to call, cities with more competitive loan programs than you can get locally.
We also have access to lenders you can't work with directly.
These "wholesale" lenders usually offer very competitive loan programs since they do not maintain the same overhead as commercial banks or savings and loans.
When Vestira shops for you, we work with different lending institutions nationwide.
We work with lenders in cities you might not think to call, cities with more competitive loan programs than you can get locally.
We also have access to lenders you can't work with directly.
These "wholesale" lenders usually offer very competitive loan programs since they do not maintain the same overhead as commercial banks or savings and loans.
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