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I am a licensed California mortgage broker and Clarion Mortgage Capital originator. Clarion Mortgage Capital is one of the largest and fastest growing mortgage brokerages in the country funding over $3.5 billion dollars’ worth of mortgages in 2005.
Clarion Mortgage Capital is also a mortgage banker with the ability to fund hundreds of mortgage products in-house.
As a Clarion Mortgage loan originator, I can offer my clients the benefits of a well-capitalized direct lender and high-powered mortgage broker doing business with over two hundred wholesale banks and mortgage lenders. This means that if your loan can be done, I can probably close your home loan quickly, smoothly, and inexpensively. And, I can get you a home loan from one of the top banks and mortgage lenders in the U.S. at a lower interest rate than you would get if you were to apply to them directly.
In 1989, when I started my mortgage career as a loan officer, the entire mortgage process was paper-based and underwriting was done by humans. No one had heard of credit scores or automated underwriting systems or the internet; and surfing was something you did outdoors.
These days, we still use lots of paper but computer-based loan origination and automated underwriting systems can deliver a mortgage loan approval within 30 seconds. As much as I enjoy working with technology, I realize that people with credit problems and/or income documentation concerns require a personal touch that no computer system can deliver. With all of the technical tools available, it is still helpful to work with a mortgage broker who understands how to package and process non-cookie-cutter home loans using make-sense, personalized, underwriting principles.
So, if you prefer working with a real person instead of an impersonal corporation, call me. I believe in the Golden Rule. And I treat my clients as I would like to be treated if our positions were reversed.
Although I specialize in difficult loans, I sometimes get referrals to “A credit” borrowers. Borrowers with good credit are also welcome! For my traditional “A credit” borrowers, I offer virtually instantaneous direct loan pre-approvals through Fannie Mae’s computer system. Using this system, I can obtain a firm home loan approval within seconds.
If you are an “A credit” borrower who does not require any cash out, ask me about appraisal waivers for qualified rate and term refinances (if structured properly, some no cash out refinances do not require an appraisal). And… I can get you approved for a loan from your bank at a lower rate than you would get by going direct… that’s right a mortgage obtained through a middle man (yours truly) can be much cheaper than one obtained by going direct!
Why Realtors and other professionals work with Broker Ben:
- I have worked in nonprime and alternative specialty lending for many years and served in several roles including Loan Consultant, Mortgage Broker, and Wholesale Subprime Account Executive for a top-three mortgage lender.
- I take customer service seriously so I make sure I deliver on my promises and I make myself available to my business partners evenings and weekends.
- In my niche, there are no cookie cutter transactions so I don’t assume anything. I actually read underwriting guidelines and confer with underwriters to remain constantly aware of what can and cannot be done.
- I believe in, and adhere to, ethical business practices and will do what is best for you and your borrower.
- Your borrowers will thank you for referring them to me.
Thinking of buying a home? Get preapproved before you go shopping.
Looking for lower monthly payments? Want to turn your home equity into cash? Take the next step: apply now or call me to discuss your options.
If you are ready to apply, don't procrastinate; apply now!
Not sure how to proceed? Need assistance with the online application? Call me anytime to discuss.
Call 888-337-9944 for a free consultation without obligation.
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