Tony Gim’s Lowest Interest Rate Plan
- I primarily offer 30 and 15 year fixed rate loans to mostly high FICO customers (680+) at wholesale rates and usually zero points for purchase or refinance loans.
- I charge a total $1150 flat fee ($1000 broker fee and $150 processing fee) for loans up to $729,750.
- I do not add any broker points or receive any rebates.
- This method appeals to the high tech and educated professional.
Why Tony Gim?
With my law degree from the University of San Diego School of Law, I bring to my client’s table the legal acumen to the loan process and all the intricacies involved through the lending maze. Although not a practicing attorney, my legal training has proved incredibly useful in understanding the intricacies and complexities of the mortgage field. My expert knowledge extends beyond mortgages as I can also help decipher through disclosures and the legalese mumbo jumbo that the process often requires.
Because I truly understand and appreciate the ramifications of disclosures, addendums, agreements, contracts, and escrows I provide my clients with complete transparency of every aspect of the lending process. My reputation and good standing in both industries affords me to do no other. With me, you get both a professional trained in the law who can help you through all the legalese in a coherent way as well as one who understands the intricacies of the mortgage process. With my experience and expertise I know what to watch out for and as a result will steer my clients away from possible roadblocks before they arise.
My fees are disclosed upfront. There are no hidden, back-end or kickbacks from industry associated companies.
What the professional needs to know about "shopping".
- The interest rate is determined by the trading activity on Wall Street which changes in 1/100's of a percent (sometimes every second/minute) throughout the day just like a stock or bond does. (i.e. 4.88%, 4.69%, 4.44% etc.)
- Lenders simply round up and offer a rebate or round down and charge points to discount the rate from true market). Rates are determined by the supply and demand of mortgage bond pricing.
- Therefore shopping for rates is effectively impossible.
- Can you really shop for the best price for 1000 shares of Microsoft stock? No. All you can really do is shop the commissions charged and buy (or lock your rate) when you decide.
Apply Anytime
There are no sales people to pressure you! This robust search engine will help you find a loan based on your anonymous information. Through our guaranteed safe and secure on-line application you can apply at your convenience, anytime, 24 hours a day. Have Questions? When you are ready, you can then Contact me and I will be more than happy to personally answer any questions you might have.
Thank you,
Tony
(619) 787-2125
Reach me 24/7
(I never sleep)