RESIDENTIAL MORTGAGE FINANCING IN CALIFORNIA:
AN EXCELLENT RESOURCE

Intel Financial, Inc. provides high quality service for excellent residential mortgage financing (purchase or refinance) for single family properties including condominiums and two-to-four unit properties in California with loan amounts to $1,500,000.

Our most recent closed loans:

CLICK HERE to view loan details.

*   Non-owner occupied property and relatively low credit score.
**  Zero point, zero cost loan with refund to the borrower of $1,201.

Note that, while pricing and overall results are exceptional, there is variability with regard to rates, days from application to close, etc., because situations and pricing are variable. Rates sometimes adjust many times over the course of a single day. That being said:

Our compensation, always included in the pricing (as with all the loans on the above list) doesn't exceed 1.00 point for loans $175,000 and above.

We can arrange for flat-rate, discounted escrow fees (that never include discounted levels of service).

Our only additional fee is $200 for processing.

We refund the initial credit report fee(s) at close, guaranteed.

We strive for complete transparency with no double talk, no hidden facts and no hidden fees.

Lender's (actual) fees (not ours) are typically $860 for a collection of services, including underwriting, processing, preparation of loan documents, tax service, flood certification, etc. There is no mark-up on this fee or any other.

A title policy is generally required; title fees are tightly regulated by the State of California.

We make available a traveling notary who brings the loan documents and escrow paperwork to you; signed documentation invariably is on the way back to both the lender and escrow the same day (or the following morning, if there is an evening signing, which we don’t discourage. We arrange what is convenient for the borrower). The traveling notary has been a great convenience for our clients.

Our most recent audited closing ratio, that is, the percentage of submitted applications to closed loans, is 95.35% (one unreasonable ex-spouse won't sign a subordination agreement – we have not given up on that one - or the rating would have been 100%).

Our exceptional closing ratio allows us best pricing, the ability to relock with no penalty when rates significantly decline, and best lender service. The benefit from a re-price accrues to the borrower (you), which is as it should be.

We offer zero point options whenever possible. If you pay points (essentially pre-paid interest), it is always to buy a lower rate, and we help you do the math.

Now, as always, we favor fixed rate loans. Conforming and expanded conforming loans have no prepayment penalties and no balloon payments. We believe in real loans not gambling.

Please note that we now offer exceptional jumbo pricing to $1,500,000.

We consider it our responsibility to explain a loan until its details are fully understood. We deal with loans every day; borrowers typically do not, and we understand that.

No double talk, no hidden facts; we strive for complete transparency.

We invite you to contact us at: (310) 822-8458.