Julie Malta
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Julie Malta
Unlike a bank, which is limited to offering you mortgages from its product line only, a mortgage banker can offer you multiple loan options from multiple lenders, many of which you'd likely not have known about. With so many confusing mortgage options and offers to choose from, and with the constant refrain of Lowest rate! Lowest rate! echoing across the Internet, it's no wonder many homebuyers choose to work with a mortgage banker who has the ability to shop your loan request to many lenders locally and nationwide.

Gordon did an incredible job with my first home purchase! As a single, small business owner with massive student loan debt, I was anxious about my chances of finding a place in a competitive housing market. However, Gordon's knowledge, thoroughness, responsiveness, and patience made this process refreshingly smooth and worry-free. From my first phone call to the closing of our refinance I appreciated Eric's professionalism; his knowledge and quick response are top notch.

He answered every call, text or email timely and explained our options.
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For 20+ years, Guarantee Mortgage has been helping California families finance their homes and navigate the intricacies of financing real estate in California.
We fund more than $2 billion in loans each year, and want to help you fund your dream as well.
Our top priority is to help you make an informed decision by presenting all available options.
We offer exceptional customer service, superior loan processing times, competitive mortgage rates, and extensive mortgage product offerings.
And although we can't promise your mortgage journey will be entirely without unexpected bumps, we do promise to help smooth the path for you.
From dreams to keys, we are here to help you through the home-buying process.
We'll be with you for as much of the process as you need-from the initial "what's possible" discussions to the mortgage prequalification to the lender's approval to funding your loan-to the day when the keys pass to you.
Whether you're seeking your first home, a loan for a vacation home or rental property, or a mortgage for real estate investment, you likely have questions.
Tell us your goal, and we'll give you the answers, guidance, and insight you need.
Thinking of refinancing your mortgage?
Refinancing can be a great way to increase your monthly cash flow by resetting your mortgage terms with a lower interest rate and lower monthly payment.
When you refinance, you can also eliminate private mortgage insurance (PMI), or consolidate your first and second mortgage into one.
Refinancing may help you to pay off your mortgage sooner, reduce or eliminate credit card debt, save for retirement, put your kids through college, or buy that second home or investment home you've been dreaming about.
If you could lower your mortgage payment by, say, $150 or more each month, how would you use the extra money?
Whether you'd funnel the mortgage payment savings into other investments, pay extra principal to reduce the term of your loan, or simply put the extra cash to work for you each month, there are very few reasons not to refinance when you find good terms.
Finding the appropriate terms is a specialty of ours here at Guarantee Mortgage.
As a mortgage banker, we will draw from numerous lending sources and create a refinance package that works for you.
If you want to get out from under high interest rate charges from credit cards, student loans, or other forms of debt, then a cash-out refinance might be the solution for you.
Consolidating your debt by refinancing allows you to put existing debt into your mortgage-typically at much lower interest rates.
The result is a single interest rate and single monthly payment.
Generally, you'll end up paying less each month than you do now, paying all the bills separately.
Although every debt consolidation refinance is different, here's an example to give you an idea of how much you can save.
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