I check rates from 20+ lenders every morning. Banks show you ONE rate. I show you the BEST rate.
Here's the honest truth about mortgage rates
Most websites show you fake "teaser rates" that you'll never actually qualify for. They're designed to get your click, not give you real information.
I refuse to play that game. Your actual rate depends on dozens of factors:
Here's what I'll do instead:
Call me right now at (805) 393-6278. Give me 5 minutes. I'll pull today's actual rates from my lender network, tell you exactly what YOU qualify for, and give you a real payment estimate. No runaround. No bait-and-switch. Just the truth.
Here's the truth about what actually determines your mortgage rate. No BS.
Higher scores = lower rates. Every 20 points matters.
20% down avoids PMI and gets you the best rates.
15-year loans have lower rates than 30-year.
VA and FHA often beat conventional rates.
Rates vary by 0.5-1% between lenders. That's HUGE. I shop 20+ lenders for you automatically.
Every 20 points saves you $50-100/month. At 680? Let's get you to 720 before applying.
Avoid PMI ($200-300/month) and get a better rate. Can't do 20%? No problem—we'll make it work.
Rates change daily. I watch the market and tell you when to lock. Timing matters.
See what your monthly payment would be at today's rates.
Estimated Monthly Payment
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Call me right now. I'll check rates from 20+ lenders and tell you exactly what you qualify for. Takes 5 minutes. No credit pull. No obligation.
Hi, I'm Tino Montelongo. With 25+ years of experience and access to 20+ lenders, I'll find you the best mortgage solution for your unique situation. Let's get started today.
Trusted local expert
Best rates guaranteed
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Ready to get pre-approved in 24 hours?
No credit impact • Free rate quote