Quick Application - This is a very short application that takes about 5 minutes. It is sufficient to start the application process but will require follow up questions via telephone or email.

Full Application - This is a very detailed application that takes about 15 minutes and is preferred over the Quick Application if you have the time. The government monitoring section is voluntary.

HUD Settlement Booklet - this is a 49 page government resource for home loans. If you are considering an adjustable rate mortgage, you may access the HUD Consumer Handbook on adjustable rate mortgages here - HUD CHARM Booklet.

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Experience

Pedro has been in the mortgage business for 8 years and is a second generation East Bay native. With his finger always on the pulse of the mortgage and financial markets, Pedro is an expert in providing complete and accurate mortgage advice and custom analyses for his clients. His primary goal with each transaction is to put all parties at ease and earn referrals in the process.

Products and Pricing

As a Senior Loan Officer for a Mortgage Banker and Mortgage Broker, Pedro offers preferential service and pricing from his in-house bank as well as access to other products from a myriad of other lenders through his brokering capabilities.  He is a one stop shop and offers the best of both banking and brokering worlds.

Educational Resources

Pedro's website and his series of brief educational movies are a fantastic resource for experienced home buyers, home owners and first timers alike.

Responsiveness

Pedro prides himself on exceeding expectations. He tries to answer every phone call immediately or return messages promptly through an integrated system which feeds calls to his office, voice messages and emails to his mobile device. As a consistent top producer, he delivers excellent turn-times in all markets.

Technology

Pedro has made and continues to make significant investments in technology to support his clients in achieving the best possible pricing and a thorough understanding of the analytics and opportunities that are available.
 

Quick Application - This is a very short application that takes about 5 minutes. It is sufficient to start the application process but will require follow up questions via telephone or email.

Full Application - This is a very detailed application that takes about 15 minutes and is preferred over the Quick Application if you have the time. The government monitoring section is voluntary.

HUD Settlement Booklet - this is a 49 page government resource for home loans. If you are considering an adjustable rate mortgage, you may access the HUD Consumer Handbook on adjustable rate mortgages here - HUD CHARM Booklet.

======================================================

Experience

Pedro has been in the mortgage business for 8 years and is a second generation East Bay native. With his finger always on the pulse of the mortgage and financial markets, Pedro is an expert in providing complete and accurate mortgage advice and custom analyses for his clients. His primary goal with each transaction is to put all parties at ease and earn referrals in the process.

Products and Pricing

As a Senior Loan Officer for a Mortgage Banker and Mortgage Broker, Pedro offers preferential service and pricing from his in-house bank as well as access to other products from a myriad of other lenders through his brokering capabilities.  He is a one stop shop and offers the best of both banking and brokering worlds.

Educational Resources

Pedro's website and his series of brief educational movies are a fantastic resource for experienced home buyers, home owners and first timers alike.

Responsiveness

Pedro prides himself on exceeding expectations. He tries to answer every phone call immediately or return messages promptly through an integrated system which feeds calls to his office, voice messages and emails to his mobile device. As a consistent top producer, he delivers excellent turn-times in all markets.

Technology

Pedro has made and continues to make significant investments in technology to support his clients in achieving the best possible pricing and a thorough understanding of the analytics and opportunities that are available.