New: Nationally Published Author.  Click here to bring up the article I wrote that was published in the National Mortgage Broker Magazine.pdf.

Santa Clara County's
Upfront Mortgage Broker ®

Serving all of California

  My philosophy is simple - to help you get the lowest cost loan possible.  Please review the three major advantages I have over other Mortgage Brokers and Banks.

1. You have access to over 100 lenders offering the best rates in the marketplace.

2.  State of the art technology from LOANSIFTER™ automatically and continuously monitors the lowest price for any interest rate for your scenario.  You can rest assured you're getting the best rate available.

3.  Get the costs of the loan rebated back to you.  As a Cash Rewards merchant, I am one of the very few mortgage brokers in all of California who can provide borrowers a Cash Reward Certificate so they can recoup the Loan Origination Fee.  This doesn't cost you anything.  Ask me about the details.

I also offer the best practice of transparent lending.  That means I share with you what the wholesale prices are for every interest rate that we're looking at.  This gives you the choice to decide what is best for you.  I believe you deserve to see what the actual wholesale prices are for each interest rate - direct from the lender's rate sheets - so you can make the most informed decision possible.   I can make them available to you every day that we work together.  Click here to see the tool that I created, my Interest Rate with Prices Spreadsheet.

Why use me?  Because I use the best technology available to get you the lowest possible rate, and I am willing to provide you a Cash Rewards certificate so you can recoup the Loan Origination Fee. 

I invite you to compare the service I can provide and the cost with any other mortgage broker or online lender, or bank.  I am confident that my business model cannot be beat.

Sincerely,

 Rick Pelleriti
Upfront Mortgage Broker®
408-238-2746

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Standard Disclaimer:  "Loan approval is not guaranteed and is subject to verification of specific information that is requested at the time of application.  Specified rates may not be available for all borrowers.  rates are subject to change."
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Homebuyers...

Here are two major advantages for you when you work with me.

1.  Receive up to $10,000 in a Cash Reward Certificate from the Realtor when buying a home.  To learn more, click here.

2.  Receive a Cash Reward Certificate from me of up to $10,000.  Plus, there is NO Loan Origination Fee from me when you allow me to refer you to a participating Realtor.  This is simply the smartest way to buy a home anywhere in California.

3.  Negotiate to receive a 3rd Cash Reward Certificate from the seller, so you can receive up to $30,000 when buying a home.  I'll show you how.

The Upfront Mortgage Broker® Pledge

I'm proud to display the logo and be a charter member of the Upfront Mortgage Broker's Association.  Click here to view my pledge and commitment to you.

Briefly, working with an Upfront Mortgage Broker® means you can rest assured there will be no surprises, hidden fees, or interest rates going up at the last minute.  Everything is disclosed "upfront," and I share wholesale rate information with you so together we can make intelligent decisions whether you want a wholesale rate, or if it makes sense, to get the retail rate...or something in between.  There are a lot of choices, and most mortgage brokers don't bother to explain this.  My clients are very happy when I explain these things to them, and you will be too.

For more information on what it means to work with an Upfront Mortgage Broker®, CLICK HERE.

 Rick Pelleriti
Upfront Mortgage Planner -- the only thing better than an "Upfront Mortgage Broker®."
408-238-2746