CONTACT US:
27281 Las Ramblas
Suite 200
Mission Viejo
California 92691
949-709-8477
WHY YOU SHOULD DO BUSINESS WITH - MORTGAGE ANGEL
MORTGAGE ANGEL is a full service mortgage company licensed in the state of California with the ability to do 1st (from $150,000) and 2nd mortgage loans (from $35,000) in California. We're also able to do 1st mortgage loans only (no 2nd mortgages) from $150,000 in the following states as well Alabama, Alaska, Ariz.-$200,000 min., Colorado, FLA.-$300,000 min., GA-$200,000 min., Indiana, Kansas, MD, Mass., Mich., Miss., Minn., Montana, New Mexico, Nevada, New York-$300,000, Tenn., Texas, Virginia, Utah, West Virginia, Wisconsin and Wyoming.
MORTGAGE ANGEL is also affiliated with "Tezoro Realty", "Loan Angel", "Tezoro Property Management", and "Tezoro Insurance and Financial Services".
We basically handle ALL your Real Estate financing needs anywhere in the U.S. No mortgage is too small (from $35,000) or too large. We've done them all.
The way we treat our clients (you) is special and unique. When we receive your loan application, it is assigned to a loan manager. Most of your contact will be with him or her. Your phone calls will actually be returned the same day (usually within 2 hours). You will be kept informed about your loan process, minimum once a week (usually 2-3 per week). We then process your loan application, scan our database to get you the lowest rate and terms. Then we prepare your file for submission to an underwriter with the program that will best suit you. Upon approval, we will then issue you a Mortgage Loan Commitment with the rate and terms of your approval. Should you decide to proceed with the loan, you simply need to send back the items requested on the approval and your loan manager prepares for your loan docs to be ordered, signed and funds the loan when the rescission period ends.
You must NOT stop paying on your bills just because your new loan will pay for them nor do you want to incur any NEW debt while your loan is in process. Do not apply for any new credit until your new loan has funded and closed. Just sit tight till the ride is over.
Our philosophy is to deal honest and upfront with our customers. The Federal Government is catching up to our polices that we've been doing since we opened our door. Too many brokers and lenders are dishonest and the law now forces them not to change any figures that they quoted you. Still some may try to cheat you and that is why you need a company like us in your corner. I know this sounds crazy, but if you call around and ask "what are your interest rates" as a method of deciding which lender to hire to do your loan, you're asking for trouble. Lender/Brokers know that when you call and ask what the rates are, that is going to decide which lender to choose from. Obviously, they will quote low. Lower than the actual rates for that day. Remember, rate quotes are only good for loans that can be locked by 3-4PM daily. They know it's just a quote which cannot be locked over the phone without a loan application and submission. If you decide to lock in the rate the agent has quoted and you do not receive confirmation in the mail from the lender with 7 days, then it was not locked and you wasted your time.
We want your business forever and love referrals. A large part of our business is referrals because of our great customer service. We don't use bait and switch tactics. What we quote you in your loan approval is the same as when you sign your loan documents. If you go shopping around for quotes, keep in mind it's only a quote and doesn't mean a thing until you have an actual loan approval.
We've been in the Mortgage industry since 1985 and in California since 1992. Our main specialty is Jumbo loans SFR 1-4 units, & 2nd Mortgages with High loan to values with No Income Verified, EZ Qualifier or No Ratio/No Doc Loans. In the Commercial end its Hard Money and commercial properties in all Markets of the U.S., we do deals that make sense! In all the years we've been in business we have not had any complaints about us. In fact, we are very proud of the fact that we're thought of by our repeat customers when they come to us so often for their friends, relatives or themselves when they need financing assistance. It tells you something about how we do business. Just think about it, why aren't you calling the person who did your last loan? 90% of the time it's because it wasn't a pleasant experience or you were forced to take the loan because by the time your loan was approved you either needed to close on it for financial reasons or it was a purchase and you did not want to start the process all over again. If you got such great service or the right loan program you wouldn't be here looking at this page or calling around for rates right now.
The secret to our success and why we have not received any complaints is that we actually let our customers pick their rate and costs based on their approval. We stay in contact with our customers throughout the process and they are not surprised by the costs because they know what they are before they get to sign the final loan documents. Surprise!, there are no surprises when you deal with us, only pleasant ones.
