California Mortgage Interest Rate Basics:

Mortgage Interest Rates are based on each individual borrower's unique qualifications and property profile.  Risk Based Pricing Models are used by lenders to determine the rate and point cost for each applicant based on the Borrower's Income, Credit Rating, Loan to Value, and Property Profile.  There is no generic "Rate" for mortgage applicants. 

We work as professional mortgage advisors, and we will qualify you for the best loan program based on your financial objectives and qualifications. The best rate and point  options will be sourced for you, from the wholesale lending divisions within the largest banks and mortgage banks in the United Sates. We act as your mortgage broker, and our job is to find you the most competitive loan program and pricing from our pool of lenders.  We have the flexibility of working with many of the most competitive lenders at any given point in time.

Paul Schectman at Viva Financial has been actively working with his clients for over 18 years to help them manage their mortgage financing as the most important piece of their overall financial management.  Paul does not compromise his client's financial future by quoting generic rates and programs, prior to having a complete understanding of his client's needs and qualifications.

For perspective on current interest rate volatility in mortgage rate pricing, read the following article. http://www.allaboutnews.com/vc.php?a=y&b=32&i=210&u=pschectman

Please complete the initial Pre-Approval request form below, to start the process of finding the best mortgage loan programs and associated rate and fee options.