Mortgage Lenders in Healdsburg, CA

“As first time home buyers, Suzanne and the team at Guild Mortgage made out experience amazing! They were very patient and knowledgeable with my spouse and I as we navigated through the paperwork. I would definitely recommend Guild Mortgage Company to anyone and everyone!”

“Student Loans I started with SOFI several years ago when I refinanced my student loans. The process went quickly, there were no hidden fees, and I got the advertised rate (3.24%). You need to set up auto-pay or the rate goes up .25%. The monthly payment in the loan agreement also goes up to include interest from funding to the first payment due date. In my case it was less than $1 per month. About a year in I had questions about the application of payments. SOFI resolved it to my satisfaction and the process to speak to a representative, to a supervisor, to an advocate was very easy. SOFI gave me a free t-shirt for choosing them. Mortgage Home mortgage rates dropped to historic lows this year. I decided to try SOFI for a refinance. I had another great experience. I started by submitting a rate inquiry on their website. SOFI offered me a 2.0% fixed rate on a conventional loan (they don't offer jumbo loans). After discussing my application with a loan originator, SOFI offered me a 2.25% fixed rate to refinance an investment property. SOFI offered to waive a home appraisal requirement, and a second credit inquiry. I decided to refinance both homes. Pros: (1) Both loans closed in less than 30 days (2) SOFI waived an appraisal requirement and credit inquiry for one of the loans (3) SOFI called to schedule the appraisal within 3 hours after the loan originator submitted my loan application to the underwriter for approval. I only had 1 credit inquiry, and 1 appraisal, for refinancing 2 homes. (4) SOFI accepted my stated business income for the rental property without requiring any income verification. (5) There was one closing for both loans (6) SOFI gave me 1 week advance notice of the closing date (7) My loan specialist was available almost 27/7. He responded to my emails over the weekends and between the hours of 9PM to 6AM, including emails at 1AM. (8) I paid off my car loans and my SOFI student loan to reduce my debt-to-income ratio for the refi. Unfortunately, I applied too soon and two of the loans showed balances on my credit report. I offered to request paid in full letters from the lenders so the loans could be removed from my list of debts, but SOFI said it was unnecessary. Cons: (1) SOFI waited until the payment due date to fund one of my loans, even though it was ready for about a week by that time. My rental property required that if payment isn't made by the payment due date, a full month of interest was due. The interest penalty applied even if payment in full was made within the 15-day grace period. SOFI contacted me at 5PM on the due date to say they didn't have a payoff letter with payoff instructions and missed the due date. I immediately responded that I submitted it with my application and showed where in my file it was located. I was upset at first, but SOFI took responsibility and gave me a credit for the penalty. (2) I wanted to pay the closing costs for both loans. However, SOFI financed the closing costs on the rental property and even paid cash out. I have no use for cash out on the rental property because comingling the funds would result in a real headache at tax time. Given the low interest rate, it was actually better to finance the closing costs, and it was easy for me to schedule a payment of principal to return the cash out so there's no loose ends, but I felt SOFI didn't fully listen to me. Fees: SOFI charges a loan fee of $1,495 per loan. SOFI offered me a $500 discount per loan for being an existing SOFI member. You need to mention it to the originator when you apply. In addition to the loan fee, SOFI charges other fees which run around $1,000 - $1,500 per loan. The big ones were the appraisal fee, which was $525 per loan (unless waived), an escrow fee of $495 per loan, plus title insurance fee. There were about 4 or 5 other small dollar fees, including a credit report fee (unless waived). SOFI IPO Invest SOFI emailed me about an opportunity to participate in an upcoming IPO for RIVIAN. I filled out their form and deposited the amount of money they wanted. SOFI held”