Office Address

24 Executive Park, Ste. 250 Irvine, CA, 92614

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HOMEPAGE

Start your Home Buying Journey

Take action and own your dream home now.

ADDITIONAL INFORMATION

Down Payment *

$

Estimated FICO Score *

Monthly Gross Income *

$

ADDRESS INFORMATION

Address

Street Address

Interest rates vary per City, Location, or Zip code.

City

State

Country

Postal code *

CONTACT INFORMATION

Legal Full Name *

Phone *

Phone will be used to notify you about the real-time interest rate changes.

Email *

Email will be used to send the full monthly mortgage result.

I agree to the privacy policy, terms & conditions provided by The Mortgagebear. Message frequency varies, message & data rates may apply. I can reply ENDALL to unsubscribe at any time.

Brokers vs Retail/Traditional Banks

Dear Borrower,

Here is what I want you to know as you consider working with us:

A Commitment to Your Success: we measure our success by yours. Your financial well-being and satisfaction are our highest priorities.

Education and Empowerment: Buying or refinancing a home can be complex. We provide education and personal consultations to empower you with knowledge, helping you make informed decisions.

Dedication Beyond Closing: Our relationship does not end at closing. We’re here for post-closing support, whether it’s managing your mortgage or exploring future refinancing opportunities.

Remember, choosing a lender is about finding a partner for your home financing journey. We’re here to make that journey as smooth and beneficial as possible. Let’s get started on finding your perfect mortgage solution!

Sincerely,

Patrick Aguiluz
Mortgage Lender & Educator

NMLS #2310779 DRE #01855572

West Capital Lending, Inc.

SCHEDULE A CALLNo Obligation Consultation

Employer vs Employee

When you go with a traditional bank or a retailer, you are choosing to work with an employee of a company. The fiduciary responsibility of that employee is to their employer, not you the client.

Rate Shopping

Banks and retailer lenders are limited to the loan products within their portfolio. Mortgage Brokers work with a network of lenders and investors, allowing them to shop around for the best rates and terms tailored for your specific financial situation.

Transparency

When working with traditional banks and retailer lenders, it is assumed that the consumer knows what they are getting into. Consequently, consumers often find themselves in the dark regarding the complexities of fees and interest rates, essentially accepting whatever is presented to them without much guidance and understanding.