Bay Area Mortgage Rates
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Todays Rates

"Larry explains things very well. He gives me choices I can understand. When I wanted to change programs after the documents were all ready to sign, it was no problem. He genuinely cares that you get exactly what you want."
                   —Theresa Whindsite

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  Available Programs

     Fixed Rate Mortgage

     1/1, 3/1, 5/1, 7/1, 3/6, 5/6 ARM

     1 Month MTA / Libor ARM

     Home Equity Line of Credit

     Raw Land Financing

     Bridge Financing

     100% Financing

     Interest Only Loans

     Stated Income Loans

     No Doc Loans

     No Cost Loan


Why All California Mortgage? Lower Rates! Try and beat them. We dare you!

  • Lower Rates - We're a discount brokerage with preferred rates from many of our 300+ lenders due to volume discounts.
  • Better Service - We answer our phones. Not just a phone system. (Yes, we have one if you prefer music.)
  • Expertise - We know we can get your loan done BEFORE we take your application. Call anytime. Advice is free.

Conforming Rates (up to $417K)
All conforming loans - NO POINTS!

Jumbo Rates (over $729,750)
up to $5,000,000
No Prepayment Penalties. No Hidden Costs. Just the Very Best Rates. Updated 6/19/09.

Interest Only available. Updated 6/19/09.

15 year Fixed -

30 year Fixed -

New Conforming

15 year Fixed -

30 year Fixed -

4.875%

5.25%

Limits ($729,750)

5.0%

5.375%

0 Points

0 Points

 

0 Points

0 Points

Fixed for 3 years -

Fixed for 5 years -

Fixed for 10 years -

30 year fixed-

Fixed for 5 years -

5.25%

5.375%

5.875%

6.375%

5.625%

0 Points, 1yr PP

0 Points, 1yr PP

0 Points, 1yr PP

0 Points, 1yr PP

0 Points & all loan fees paid by broker

Lower rates may be available for for loans with prepayment penalties.

The prices above are regularly updated and represent an indication only. These figures are deemed reliable but are not guaranteed. Actual qualification is subject to verification of income, credit, property appraisal and other factors.
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Attitude

The longer I live, the more I realize the impact of attitude on life. Attitude, to me, is more important than facts.

It is more important than the past, than education, than money, than circumstances, than failures, than successes, than what other people think or say or do. It is more important than appearance, giftedness, or skill. It will make or break a company... a church ... a home.

The remarkable thing is we have a choice every day regarding the attitude we will embrace for that day. We cannot change the inevitable. The only thing we can do is play on the one string we have, and that is our attitude ... I am convinced that life is 10% what happens to me, and 90% how I react to it.

And so it is with you ... we are in charge of our Attitudes.

About All California Mortgage
All California Mortgage is a low pressure California mortgage loan brokerage dedicated to providing the highest service possible. Our company’s huge success is attributed to a very large percentage of repeat customers who are searching for the best California mortgage rate, whether it is a fixed rate mortgage, an adjustable mortgage, home equity loan, an equity line of credit, a second mortgage or cash out loan. We also do debt consolidation loans by refinancing your California home mortgage to include credit card debt, car & boat loans or any other non home loan debt at the lowest current mortgage rate. All California Mortgage is approved with hundreds of nationwide lenders for Mortgages and homeloans.

All California Mortgage has a very high success rate on all their mortgage loans. Your application is pre-screen by experts who KNOW lenders guidelines. We offer credit repair services to get you the best mortgage loan rate. We make sure your loan will be approved BEFORE it is submitted to the lender.

We almost never charge points or excess service charges at All California Mortgage. Actually, most loans have only two charges, a $525.00 processing fee and a $25.00 credit check, both fees are assessed at the close of escrow. There are no up front fees when you use All California Mortgage. An appraisal fee (paid directly to the appraiser) is due at the time of inspection.

The Lowest California Mortgage Rates

Looking for a California Bay Area mortgage? You have come to the right place. My name is Larry Martinez the owner of www.MLSloanbroker.com

MLSloanbroker.com has been providing the lowest interest rates and best home loan programs to bay area homeowners for over 10 years.

The current California mortgage market has certainly seen a lot of changes recently. One of the bright spot with today's mortgage market, is that interest rates are near a four year low. At the end of January 2008 Freddie Mac's mortgage market survey, released information that long-term mortgage rates were at their lowest point since the spring of 2004.

MLSloanbroker.com has access to Wall Street investment rate information and can see that rates are about to change before the lenders can make price changes. This proprietary information is a very important in today’s market where lenders change their rates several times per day. MLSloanbroker.com customers get an extra edge when it comes to getting the very best rate.

Whether or you are looking for a new home in the Bay Area, trying to get some cash out, or want to pay off your home sooner. We have the skills and know-how to custom tailor a mortgage specifically for your needs.

Once you do a California mortgage loan with Larry Martinez, you will want to come back. Our company's huge success is attributed to a very large percentage of repeat customers who are looking for the absolute rock-bottom rates.

With today's housing market, you need a lender who has a high success rate of getting loans closed. Underwriting guidelines have been changing daily since the upset in the housing market stated last year. Your application is prescreened by experts who know these guidelines. We also offer credit repair services to get the best mortgage loan rate and have unique understanding of underwriting. We know your loan will be approved before it is submitted. This knowledge saves you time and money.

We almost never charge points, or excess service charges to you at All California Motgage. There is a $525 processing fee and a $25 credit check, both due when your loan closes.

All California Mortgate offers loans through out the state of California. We welcome you to contact us at LMartinez@AllCalifornia.com where we can get you a mortgage quote in about 5 minutes. I will get you a rate faster than other mortgage sites and you won't get carpal tunnel trying to leave your information on a website for all mortgage brokers to see. Your information will never be sold or rented unlike our buddies that rhyme with pending fee and sell your information to anyone they can, which is the norm for other mortgage websites.

If you would like to get in on this insider mortgage knowledge, feel free to contact me for one of our home owner webinars. We do webinars for California mortgage owners who are looking to pay off their home as quick as possible, and save valuable interest dollars.

I encourage you to pick up the phone or e-mail me right now. If you are looking for true mortgage rate quote, call me now 415-258-1691. And we can get this rate quote for you in about five minutes.

Your home is typically your greatest asset. Make the most of your mortgage and get a perfect loan that's right for you.

We service all of California and would be glad to meet with you in person if you are in San Francisco, San Rafael, Santa Clara, Marin County, Napa, San Mateo, and Sonoma counties. I encourage you to come in for an appointment and meet the person who is financing your biggest asset.

We offer home loans to the entire state of California. Whether you are looking for a fixed-rate mortgage, jumbo mortgage, Bay Area refinance, or looking to pay off your home as soon as possible. I encourage you to pick up the phone and speak with someone who has been making home owners smile for years, just ask our current clients.

 

 

Call Larry Today
San Francisco Mortgage
California Mortgage
lmartinez@AllCalifornia.com
 
All California Mortgage Inc.
128 Oak Knoll Ave., San Anselmo CA 94960
 
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All California Mortgage services the entire California Bay Area including San Francisco, San Rafael, Santa Clara, Marin County, Napa, San Mateo, Sonoma and more. As a California mortgage lender our products include mortgage loans, refinance loans, jumbo loans, debt consolidation and more.
All California - Mortgage rates - mortgage calculator - debt consolidation - mortgage loan - amortization schedule - equity line of credit
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