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David Sones

Contact Information
Realty Success Group 9636 Tierra Grande St Suite 203 San Diego, California 92126 858 672-2707 [phone] 858 777-3615[fax] [email protected] http://www.SanDiegoHomesnLoans.com

Organization Affiliation

Realty Success Group is licensed by the California Department of Real Estate, License Number 01212905 / NMLS Registry No. 344813

David Sones is a Real Estate Broker licensed by the California Department of Real Estate. License Number 01212905 / NMLS Registry No. 329042

Member: Upfront Mortgage Brokers Association

Member: CA Mortgage Professionals Association
Member: San Diego Association of Realtors
Member: California Association of Realtors

Member: National Association of Realtors

Contract With Client

LOAN ORIGINATION FEE POLICY AND PLEDGE

As an independent contracting Mortgage Broker, I am free to set my own (all- inclusive) origination fee. I believe in fair and affordable loan origination pricing. Borrowers benefit from lower rates when origination fees are fixed and uniform, regardless of loan size.

Competing Loan Brokers should be encouraged to submit their “Best Offer” without reference to any other offer – that way, you may discover their willingness to be fair and equitable without regard to what others may be willing to provide. – offers or guarantees to "beat any quote" - should raise ethical questions.

In no circumstance whatsoever, shall I mark-up or derive a profit from ANY third party service provider (ie. Wholesale Lender, Escrow, Title Insurance, Appraisal, Recording, Notary, or Credit Report Issuer).

Any wholesale derived compensation (Yield Spread Premium) received from your Lender, shall be passed on to you in the form of a credit against any other closing costs (third party charges) due or payable by you in the transaction.

You may elect to pay “lender discount points” in order to obtain below market interest rates. I do not receive any benefit or compensation as a result of a clients election to pay lender discount points.

Please see our Daily 30 Yr Fixed or 15 Yr Fixed Rate and Pricing Quotations maintained on our website.

David Sones, Senior Loan Consultant / Mortgage Broker (858) 672-2707

Technology Employed

We utilize automated underwriting systems such as Fannie Mae’s Desktop Underwriter and Freddie Mac’s Loan Prospector. These technologies allow us to provide a preliminary loan approval in less than an hour for most of our loan products.

Of further benefit - many times, the documentation that is needed from a Borrower may be significantly reduced. Our email and fax accounts are secure and are not accessible without a password. No faxes or emails sit unattended in our office.

Locking Procedures

Free Market Rate quotes are provided 5 days a week. (M-F 9AM to 4PM) (858) 672-2707 Please see our Daily 30 Yr Fixed or 15 Yr Fixed Rate and Pricing Quotations maintained on our website.

You may lock your loan for 30 to 45 days with a submitted loan application package and preliminary underwriting approval from us. With preliminary underwriting approval, we will provide a purchase loan pre-approval letter to enhance your purchase offer.

Third Party Fees

We do not markup any third party fees such as title work, escrow fees, appraisal, or any other closing fees. You are charged the exact amount invoiced, for the work provided.

Broker Fees

Please see our Daily 30 Yr Fixed or 15 Yr Fixed Rate and Pricing Quotations maintained on our website. Our Guaranteed Fixed Origination Fee is ultra-competitive and quoted according to your particular loan and property parameters.

See our 'Contract with Client', above for Upfront Broker Fee Disclosure.

Bio

My family and I, have called the North County area of San Diego home, since 1986. A graduate of the University of California, I'm a licensed CA Real Estate Broker, providing real estate lending solutions for valued clients in San Diego and surrounding areas, for over 14 years.

As a Broker, I'm able to offer a wide range of mortgage products to suit your needs and situation. I specialize in providing client purchase and re-financing solutions for residential and investment properties. I work closely with financial planners, attorneys, CPA's and real estate brokers who entrust their clients business to me. My referrals come from all over the state of California, and I value the trust and confidence of my clients.

Over the years, I've invested hundreds of hours and thousands of dollars in educational pursuits to stay on top of this ever changing marketplace. I am a certified GRI (Graduate Realtor Institute) - meaning I have taken the time to study, and master advanced concepts in California Real Estate.

I'm dedicated to providing great service and am sensitive to your buying, selling and borrowing needs.

Realty Success Group
9636 Tierra Grande St
Suite 203
San Diego, California 92126

858 672-2707 [phone]
760 802 7285 [phone2]
858 777-3615[fax]
[email protected]
http://www.SanDiegoHomesnLoans.com