Discover Gold in your own back yard
Why do Californians choose brokers 3-to-1 over banks for purchases and refinances?
Mortz and Associates and Atlas Financial Services have over 100 lenders including the wholesale divisions of the worlds largest banks.
Each investor, bank, lender or agency offers their best pricing and creative products and we, the Broker, direct clients to the best product. This is why a recent university study showed that clients paid significantly less when using a broker compared to using a bank or other lender.
If using an average broker can save you money on your next purchase then using Mortz and Associates would be like discovering gold in your back yard.
The average home buyer will save thousands of dollars by utilizing our expertise with special incentives, tax breaks, and down payment assistance that an average lender may not know of or fully understand.
Why would you trust your families future to someone who couldn't offer what we offer or to someone unable to do loans and Real Estate?
It is our mission to get every last nickel of value for our clients
Hot Refinance products
Option Arms: Awesome for people who need the absolute lowest payments. We have more variations of these than you can shake a stick at.
Fixed Rates: 100's of lenders means we have programs for everyone with the most competitive rates. From 50-year fixed, to traditional 30-year fixed programs, with no verification of income or assets, priced the same as other banks, and with less paperwork.
Exotic Home Purchase Programs: Yes. this is our bread and butter. We have everything under the sun. We also understand that there are certain programs which only one person or retail side of a bank can do. We frequently refer out loans to be done with certain non-profit, governmental, or retail entities that have "rights"
to a particular down payment assistance or grant or first-time buyer help program.
Sub Prime: Bad credit, no income, picky, been turned down, bankruptcy, foreclosure, or other peculiar situations, and want the best pricing, fastest fundings and least amount of hassle?
We began our business by doing loans that others couldn't.
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