What I value most about Express Funding is the customer service. Since my first positive experience with them, I've used them for all of our future real estate purchases. Brad Shoemaker and his staff are the types of professionals you want in your corner when making your important decisions on your home loan.
Brad at Express Funding is an exceptional mortgage broker. He is top shelf both in professionalism and getting the job done with the best possible mortgage rate. His expertise surpasses any conventional bank employee. Brad treated us with personal interest and made sure we got the absolute best loan at the best time with the maximum incentives.
Brad at Express Funding is an exceptional mortgage broker. He is top shelf both in professionalism and getting the job done with the best possible mortgage rate. His expertise surpasses any conventional bank employee. Brad treated us with personal interest and made sure we got the absolute best loan at the best time with the maximum incentives.
Services
How We Help
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For your appointment, be sure to present all the needed financial documents such as assets, financial statements, stock investments, property tax bill, etc. Not all of the aforementioned documents are required; however, it is much better for a person to be always ready in order to prevent any delays that may occur in the process.
Loan Types
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Express Funding Mortgage specializes in residential mortgage financing to homeowners and buyers anywhere in California. We offer some of the lowest conforming and jumbo interest rates available in California. Some of the loan products we offer include new purchase mortgages, FHA loans, mortgage refinancing, investment property loans, vacation home financing, reverse mortgages (or home equity conversion mortgages) and even private money mortgages.
Reverse Mortgage
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Express Funding can do a reverse mortgage HECM or conventional mortgage with some of the lowest rates and fees in the state of California. A reverse mortgage is a loan and you are borrowing against your home equity. However, unlike traditional mortgages, with a reverse mortgage you don't have to pay back the money borrowed as long as you are living in the home.
Conforming Loan
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Mortgages can be generally categorized as conventional or non-conventional. Conventional mortgages are further categorized as conforming and non-conforming loans. Conforming loans are residential mortgage loans that correspond to the set of guidelines implemented by The Office of Federal Housing Enterprise Oversight (OFHEO).
Conforming High Balance
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Today like always, many people and families are out to secure the home of their dreams. They've worked hard for much of their life in order to obtain the funds necessary to allot for housing plans. However, despite how much a family earns, it's very rare for people to have the sufficient amount to completely pay for a house outright.
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