Fantastic rates – we are consistently told how much lower our rates and costs are compared to big banks, credit unions, and other mortgage brokers.We are now in our third generation of families who live in Thousand Oaks. We are local! We are located in Thousand Oaks, where we are in the same building from when we started way back in 1986.Closing a loan is not always easy, and you can rest assured you have a team (not just a one-person shop) looking to overcome any roadblocks. We are a team with lots of experience.Whether it’s you or a friend or family member you refer to us, you can depend on us to give you straight answers. Honesty – we are very transparent on our compensation and when we are not competitive on certain loan scenarios (such as jumbo loans at the moment).This is thanks to our repeat clients and their referrals. It’s rare for a mortgage company to stay in business this long with all the ups and downs of real estate, but we have. Experience – our company was founded in 1986.By the time you hear rates dropped in the news, it’s usually too late. If rates drop, you should refinance, and you want a lender who will notify you the moment rates fall. This likely won’t be your last mortgage.Why Community First Mortgage is your best option as a lender in Simi Valley, California: We don’t charge any loan processing fees.We only work with the most competitively priced lenders.The biggest reason is – we simply earn less than most brokers and almost all banks and credit unions.Why Community First Mortgage offers the lowest mortgage rates in Simi Valley, California: On Yelp, the reviews are filtered, so fake reviews are less likely to be shown. We see lots of lenders with, let’s say – suspicious reviews on other review websites. Do you know if the lender you are working with is well-reviewed on Yelp? We are – see our reviews here. Comprehensive mortgage calculator, as well as the basic mortgage calc you can check the impact of savings vs mortgages, offset mortgages, overpayments and. Interest rate and costs are only a couple of factors when considering what lender to work with.Many not-so-nice lenders keep the lender credit for themselves – we don’t! Our compensation percentage is the same no matter what loan type, loan amount, or interest rate you go with, and we are paid by the lender. Ask if the lender offers any lender credits toward closing costs.Ask if the lender charges loan processing fees (We don’t!) 30-year Fixed-Rate Loan: An interest rate of 7.5 (7.826 APR) is for the cost of 1.875 point(s) (3,750.00) paid at closing.While this doesn’t paint the whole picture – it’s a good start. A quick and easy way to shop rates between lenders is to ask for their lowest rate with no points for any particular loan product.Mortgage rates change every day and sometimes multiple times a day. Compare rates from different lenders on the same day.Loan Assumptions What you should consider when comparing mortgage rates for your Simi Valley, California home: When choosing between a variable or fixed mortgage rate, generally speaking, variable rates provide lower mortgage payments as they tend to be lower.
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