So You Want To Beat The Banks? We'll Help... California Mortgage - Beat The Banks & Refinance For At Least .25% Less Than With Your Favorite Bank - Apply Online or Call Us Today at 1-888-835-0761


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Do You Really Need 4 Mortgage Offers - Or Just The Best Offer?
  We don't sell your information to multiple brokers and call it 'competition'
Experienced loan officers with complete knowledge of mortgage financing
No hassles or obligations - just great service!
One low offer that best suits your California mortgage loan needs
Beat The Bank's Rates
 
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             Points Explained
Mortgage Points Explained
  What are mortgage points and when, if ever, does it make sense to pay them?
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              Fees Explained
Fees Explained
  What are the 'real' costs of my California Mortgage? This will help explain exactly where your money is going - and where it shouldn't be going...
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          Others Are Saying...
  "The service was great and so was my rate! There weren't any hassles at all - they listened to my concerns, answered all of my questions, plus I got a better rate than I expected."

Thanks again,

G. Frederickson
 

 

   

So You Want To Beat The Banks ?

It's simple: click on any of the banks listed to the right and we will package your mortgage with that bank according to the mortgage program of your choice - but we'll beat their published rate by .250% and won't charge you any more than the fees that particular bank normally charges. Click on the bank of your choice to get started.

How can we do this? As a broker and Correspondent Lender to some these major banks we are authorized to package and underwrite mortgages according to their guidelines---and the reason we are able to do it for less is this:

Banks spend a tremendous amount of money on advertising and services that aren't as profitable to them as mortgages. They offer brokerages the ability to secure mortgages with lower rates because these 'operating costs' that are built in to their own mortgages don't apply to mortgages obtained through brokerages, whom do their own advertising and preparation of mortgage paperwork. In addition, brokerages bring a large amount of business to these banks and with out the ablility to offer a noticeable advantage many people would not use a brokerage (and ultimately a loan packaged by a brokerage would end up with that bank anyways, so they would rather build positive relationships with their favored brokerages.)

So you want to Beat The Banks? Select the bank of your choice from the menu to your right and you're on your way...

Or you can skip over the online application and speak with a specialist immediately by calling this number toll free:
Helping You Beat The Banks



Important Disclaimer: We are not Chase Bank nor are we a direct affiliate of Chase Bank or any of its subsidiaries. We are a mortgage brokerage that is licensed appropriately in our states of business and are duly approved to broker loans to Chase Bank.

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Beat The Banks!!!  
We guarantee to beat the published rate of any of the Banks listed below by at least .25% with out charging any more than the fees charged by that particular bank.

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Ameriquest
Bank of America
Chase
GMAC
Greenpoint
National City
New Century
Option One
Regions Bank
SunTrust
Wachovia
Washington Mutual
Wells Fargo
World Savings Bank
US Bank
 
 


Below you will find a list of common loan programs. Follow the link of a given program to read detailed explanations about that type of mortgage.

As well, you will find a Mortgage Glossary located in the bottom section of this page.

  • Fixed Rate Mortgage - What does the term 'Fixed Rate' specifically mean and what are the benefits of having a Fixed Rate Mortgage?
  • Adjustable Rate Mortgage - Also known as ARM's or Variable Rate Mortgage. Explains advantages, common terms; what is a Negative Amortization Mortgage (Neg-Am); includes an 'Index Table' that explains Prime Rate, CODI, COFI, CMT, MTA, and LIBOR
  • Balloon Mortgage - What is a Balloon Morgage? When would it make sense for you?
  • Home Equity Loan - 2nd Mortgage - Explains the difference between a Home Equity Loan (Home Equity Line of Credit or 'HELOC') and a 2nd Mortgage, as well as which may be best for you
  • FHA - VA Mortgage - Covers government sponsored programs and their benefits. Includes FHA, VA, Cal Vet, as well as other state specific and local programs
  • Documentation Options - What are the differences between Full Documentation (Full Doc), Limited Documentation (Limited Doc or 'Lite Doc'), Stated Income and 'No Income No Asset' (NINA) programs?

 
 

Because The Banks Can Be Beaten

Anyone considering mortgage refinance should first find out your real estate home values visit USFreeAppraisals... Be sure to visit our Los Angeles Real Estate resource or our Orange County Real Estate for more Southern California Real Estate info. To apply for your morgage fill out this application completely. For physical therapy here's your Orange County Massage Therapy. Thank you again for choosing Ascendant Financial as your Low Rate California Mortgage Loan brokerage of choice.

MORGAGE GLOSSARY

Amortization | Amortization Schedule | Annual Percentage Rate - APR | Biweekly Mortgage | Bridge Loan | Cash Out | Conforming Mortgage | Conventional Morgage | Debt To Income Ratio | Direct Lender | Discount Mortgage Broker | Discount Points | Good Faith Estimate | Grace Period | Impounds | Interest Only | Jumbo Morgage | Loan To Value | LTV | Negative Amortization | No Ratio | Option Arm | Piggyback | PITI | PMI | Prepayment Penalty | Reverse Mortgage | Subprime | Truth in Lending | Wholesale Lender | Yield Spread Premium | YSP This is your resource for all Los Angeles Mortgage loan services...serving the greater Los Angeles area and beyond.

We'll Help You Beat The Banks!

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