Straight talk; no nonsense advice designed to put you in a better position financially than before we worked together.

The name "The Mortgage Wrangler" was chosen for our philosophy of helping clients develop an understanding of, or learning how to "get a rope around" how mortgage works.

We have the ability to shop your loan with over 250 lenders. TMW being located in the heart of Silicon Valley, we leverage todays cutting edge technology. We are able to get you a pre-approval from a lender in under 15 minutes. This is not a letter from a broker stating that you qualify for x amount, but an automated underwriting decision from one of our many lenders.

This website will allows you to enter and submit a loan application on a secured, seperate website that is double protected by both a 128bit SSL connection on the page that loads the loan application program and by a 128bit SSL connection from the loan application program to the web services that load and save data. We then pull your credit report and upload your file securely into the automated underwriting system and can provide you with a copy of your lender pre-approval via email. This process eliminates 2 aspects of the traditional loan application process; the waste of paper and time.

An example of the services we provide our clients: 

1. We reimburse the cost of credit report fees and appraisal fees at closing.*
2. We hold ourselves to a higher level of ethics and professionalism when dealing with clients. To review our ethics policy, click here. 
3. We are relentless advocates for our clients best interests, not only in your mortgage and real estate transactions, but in the overall management of your credit, debt and finances.
4. We make sure that this mortgage or real estate transaction positions you for long term financial success. If we feel it is not in your best interest to pursue this transaction, we will advise you not to go through with the financing, and document the reason why in a signed statement.
5. We will illustrate for you, how to save $50,000, $100,000, $200,000 or more over the life of your loan.
6. We will show you how to maintain and increase your credit score, saving you tens of thousands of dollars not only on this loan, but on all your credit lines.
7. We educate Renters and First Time Home Buyers about the benefits of home ownership and advise them on how to take advantage of all the city, county, state and federal programs designed to help them get into their First Home.
8. We will help you learn the mortgage and real estate industries insider secrets, allowing you to avoid all the obstacles to a smooth transaction. This also will prepare you for the process so you know when and why a stage in the transaction is scheduled to happen.
9. At TMW, we do not just complete your transaction and move on to the next client. Our clients are the life blood of our business. Most become long time friends, and 99.9% become clients for life. We conduct annual mortgage reviews to make sure this mortgage product is still the best fit for your situation. We keep in touch with important issues that affect your daily life. We provide a list of local service providers that offer our clients discount services. We provide you with discount coupons for a major home improvement chain. We offer confident referrals to highly recommended professionals such as Accountants, Financial Planners, Estate Attorneys, and other Trusted Advisors in your area.
10. We keep you updated on  market conditions with monthly email newsletter briefs and quarterly in-depth news letters mailed to your home,
11. We will help you assess your situation to make sure that you are not only leveraging real estate to ensure your financial future,
    a) but that you have the risk to your net worth mitigated with proper insurance coverage. We can refer you for a free, no obligation annual insurance review with an independent and trusted insurance consultant. 
    b) we will make sure that you are managing your tax exposure. We will refer you to a local trusted CPA for a free, no obligation tax review.
    c) we will make sure that your assets are protected by a trust to ensure that it is you who decides which of your heirs get your estate proceeds, and that inheritance taxes are minimized or eliminated altogether. We will pair you with a trusted Estate Attorney in your area for a free, no obligation appointment to review your estate positioning.

We do this because by referring you to other trusted financial professionals, you will feel confident that you have a team of people watching your back / looking out for your best interest. The goal is to cover all the financial bases, so you will have a plan to reach financial freedom in your life.

Financial Freedom Defined:
a state of freedom from worry and anxiety about money. This happens as a result of accumulating income producing assets which make it possible to live your life as you choose with or without continuing to work. If you prefer to work, you are working because you enjoy your work but you are not dependant on the income.

* Not available on the Employee Benefit Program.