Erick P. Aguilar, Broker.
Pacific Mortgage of America
Your Trusted and Experienced Mortgage Broker. 

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619-359-3202
Buyer’s Info

Congratulations on taking this exciting steps toward purchasing your new home or refinancing your existing home loan. I am here to make the financing or refinancing process as smooth and straighforward as possible for you. 

Determine How Much You Can Afford

Real Estate Buyers Guide

My Role as a Mortgage Broker in the Real Estate Transaction

In a real estate transaction I act as an intermediary between borrowers and wholesale lenders. My objective and associates is simplifying the home financing process for you. Here are some of the key roles we play: 1. Understanding Borrower Needs: The first thing we do is to assess the borrower's financial situation, goals, and preferances to recomend suitable loan options. 2. Access Multiple Wholesale Lenders: As a direct mortgage broker or broker associate, I have access to an extensive network of up to one hundred wholesale lenders. This allow me to explore awide range of loan products and find the perfect solution tailored to your needs. My goal is to ensure you get the best options available, with comperative rates and terms. 3. Finding Competitve Rates: We compare rates and terms accross participating wholesale lenders to secure the most favorable deal for the borrower. By leveraing this network, I aim to find a solution that fits your financial goals while saving you money in the long run. 4. Streamlining the Process: Streaming the mortgage process means: faster pre-approvals to give you an edge in today's competitive market. Clear and transparent updates at every step, so you're never in the dark. Personalized loan options tailored to your financial goals with minimal back-and-forth. 5. Guiding Through the Process: We explain to the borrower the steps involved, from pre-approval to closing, and provide support at each stage because navigating the mortgage world can feel overwhelming, but that's where my associates and I, the broker, come in. process. During the process, we maintain transparent communication, so you're never left wondering what's next. 6. Specialize Knowledge: We often identify  specialized products that meet specific needs. Our team possess a deep understanding of loan products to match your needs. They have expertise in streamlining the process for efficiency and peace of mind. They also know insiders working in the banking system and can offer you personal advice based on the latest industry trends and opportunity. 7. Coordinating with Stakeholders: One of the ways we ensure a seamless experience is by working closely with other professionals, such as Realtors, members of the financial institutions community, appraisers, home inspectors, title insurance companies, escrow companies, etc. By collaborating hand-in-hand, we create a smooth pathway from start to finish - helping you secure the financing you need, while ensuring your dream home meets every expectation.  

Feel free to contact us. We'd love to hear from you!

Location

3111 Camino del Rio N, Suite 400
San Diego, CA 92108

CA DRE Broker ID 01226399 Company NMLS ID 1405194

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