(And Why Your Bank Won't Give You the Best One)
I'm Tino. I check rates from 20+ lenders every single morning. Banks show you ONE rate—theirs. I show you the BEST rate from 20 lenders.
That's the difference between 6.875% and 6.375%. On a $700K loan, that's $200/month. $2,400/year. $72,000 over 30 years.
These are ACTUAL rates from my lender network as of today. Your rate depends on credit score, down payment, and property. Call me for your personalized quote.
Rates shown assume 740+ credit score, 20% down (except FHA/VA), and owner-occupied property in Ventura County. Your actual rate may be higher or lower. Call me for your exact rate: (805) 393-6278
*Payment based on $400,000 loan amount, does not include taxes, insurance, or HOA fees.
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.
1. Shop Multiple Lenders. Banks won't tell you this, but rates vary by 0.5-1% between lenders. That's HUGE. I shop 20+ lenders for you automatically.
2. Fix Your Credit First. Every 20 points in your credit score can save you $50-100/month. If you're at 680, let's get you to 720 before applying.
3. Put Down 20% If You Can. You'll avoid PMI ($200-300/month) and get a better rate. Can't do 20%? No problem—we'll make it work.
4. Lock Your Rate at the Right Time. 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.
Ready to get pre-approved in 24 hours?
No credit impact • Free rate quote