John is one of fewer than 6% of California licensees who holds both a real estate AND a mortgage license — and he runs his own brokerage. That means your rate quote comes from the same person negotiating your purchase. No handoffs, no finger-pointing, no surprises at closing.
Reg Z / Truth in Lending: This is not a Loan Estimate, not an offer or commitment to lend, and not a rate lock. Rates, APRs, points, and terms are illustrative, subject to change without notice, and depend on credit approval, property type, occupancy, loan-to-value, and other factors. Equal Housing Lender. Real Estate and Lending, Simplified™, DBA BirdEye Loans. NMLS #2827760. Verify licensing at www.nmlsconsumeraccess.org.