We offer a fantastic assortment of CONFORMING HOME LOANS, i.e., those that "conform" to Fannie Mae and Freddie Mac underwriting guidelines. These are the loan types offered by all major banks and mortgage companies. Unlike most banks, we also offer a wide variety of PORTFOLIO HOME LOANS. These loans are not underwritten according to the more stringent Fannie/Freddie guidelines and offer more flexible approval requirements. We can, for example, do a home loan for a foreign national without a requirement for any form of Visa. All they would need for residence documentation is a copy of a valid passport.
Through our extensive network of wholesale lenders, we offer a huge assortment of mortgage loans to our customers. We have more than twenty three years of experience working with dozens of the nations' largest wholesale lenders and have established strong relationships with all of them. Read on...
As a result of the standardized lending guidelines established during the 1980s by the secondary mortgage markets, all banks and mortgage companies observe the same processing and underwriting practices. They all sell their closed mortgages into the secondary mortgage market GSEs (government-sponsored enterprises), i.e., Fannie Mae, Freddie Mac, and the private mortgage conduits, so there are very few significant daily wholesale loan pricing differences between lenders. That's the GOOD NEWS! Now for the bad news...
The BAD NEWS is that home loan retailers covertly manipulate (increase, "mark up" or inflate) the wholesale interest rates they sell to the public - behind the scenes - or on the "back side" of the loan transaction in order to put more money in their pockets from the closing of your loan.
While not always "per se illegal" under RESPA laws, the practice is a playground for unscrupulous loan officers and can cost you thousands of dollars in unnecessary closing costs and loan payments. Every bank, mortgage company, and mortgage broker in our country has the ability to do it. Borrowers just don't know which ones have the desire to do it - and that's the problem.
San Juan Mortgagenever changes or manipulates the wholesale interest rates that we broker in any way. With us - WHAT YOU SEE IS WHAT YOU GET -and with us you WILL see what you're going to get - BEFORE you get it. The big advantage we offer our customers is peace-of-mind. You'll never have to worry if you're going to get a good loan deal - because you will - and through the various forms of proof that we offer - it's GUARANTEED.
These covert rate manipulations are routinely done out of your view, usually without your knowledge, sometimes violate federal lending laws, and can increase your closing costs, your monthly payment, or both. San Juan Mortgage can show you how to avoid these predatory lending practices. Just give us a call...
CLICK BELOW to see how retail lenders can covertly manipulate your loan costs:
Whether you are buying a brand new home, a great investment property, or want to refinance your current home, we can help you get the absolute perfect loan. Our website provides you with all the tools you need to research mortgage information, check competitive interest rates, select a loan program, "lock" a hot wholesale rate, check your loan status 24/7, and communicate with us as often as you like.
So, if you'd like to take advantage of all the benefits offered right here by the most comprehensive mortgage website on the internet,
Compare our interest rates above with the others! You will see that we're always competitive with the big national lenders. We never use "low-ball" interest rates. Our rates are always verifiable as factual. If you're ready to take the next step, click the GOOD FAITH ESTIMATE link below and we'll send you a detailed estimate of the loan costs that you are likely to incur.
If you have any questions about your GOOD FAITH ESTIMATE, give us a call! If it looks "OK" and you're ready to get a GREAT WHOLESALE RATE, click the link below to start the loan process. As soon as possible, give us a call so we can discuss your needs and how we can best help you. Learn the steps involved in getting your loan on-line by clicking "On-line Processing" on THE SIDE BAR.
After you apply, we'll send you a Good Faith Estimate, Truth In Lending Disclosure, and three required INFORMATION BOOKLETS. You can find on-line versions of these disclosures and booklets by clicking our Closing Costs tab. You'll find explanation papers on the Good Faith Estimate and Truth In Lending disclosures on our Good Faith Estimate request page.
Once you've applied, our Broker TERRY DONOVAN will personally handle every aspect of your loan. He'll communicate regularly with you and keep you informed about every issue affecting your loan. He has 23 years of experience in the mortgage business and has closed every type of loan. If you'd like more information about him, you can view a detailed TESTIMONIAL LETTER from a seasoned real estate broker.
After we've analyzed your application information and discuss financing options that will best fit your needs, we will "lock" your interest rate. After that, it doesn't matter how volatile the market gets because you'll be protected. On THE SIDE BAR above, click the Rate Locks tab under Loan Resources. Read the page carefully, particulary the When Can I lock My Rate? section, which details when we can "lock" in your interest rate. When you're ready "Lock It In" !
We'll guide you through the entire loan approval process from beginning-to-end. If you have issues qualifying for the loan of your choice, we'll give you options. If you want to make a minimum or zero-down payment, we'll give you options. We don't believe in cookie-cutter home loans. We believe that the best way to help you achieve your financing goals is to help you find the correct financing solution.
We'll keep you informed about your approval status regularly and you'll be able to check the status of your loan 24/7. We want the process to be fast and easy, and as enjoyable as possible so you can...
GET READY TO MOVE !
THANKS FOR VISITING OUR WEBSITE !
We hope you've enjoyed the motion content that we've added to our website.
We believe a mortgage website can be a little fun as well as informative .
MORTGAGE BROKER LICENSING INFORMATION: America's Wholesale Mortgage BrokerTM
San Juan Mortgage, LLC
Just Hot Rates
LICENSE # 510-MB-23913
Is licensed to conduct business as a
Mortgage Broker in the state of
WASHINGTON
Rates.com 
THANKS FOR VISITING OUR WEBSITE ! 
