iEccentric Realty and Mortgage Can Help With All Your Mortgage Needs
A Mortgage Broker You Can Trust
As a certified broker, I know from first hand experience how overwhelming it can be to deal with mortgages. However, I also know that it doesn’t have to be this way. iEccentric Realty and Mortgage specializes in helping you understand all of your mortgage and financing options so you can make smart and informed decisions. Get in touch with me today to see what I can do for you.
Loan Types
As one of the leading mortgage brokers in the San Gabriel Valley area, I firmly believe that the best way to handle mortgages is for the client to be actively involved in the process every step of the way. From choosing between a Fixed Rate Mortgage, Adjustable Rate Mortgage or FHA Mortgage to understanding negotiating terms. We also offer Jumbo Loans and Interest only product.
I’m here to help you with anything you need.
Fixed Rate Mortgage
Adjustable Rate Mortgage
FHA Mortgage
Get in touch for more mortgage information and learn what type of loan is right for you.
Angela Lee
Your Mortgage Advisor
DRE #02017151
NMLS #1688882
I have been helping the people of the greater San Gabriel Valley understand the complex process of buying or refinancing a property. My services help clients secure the necessary financing for one of life's most significant purchases.
I am committed to easing your concerns and addressing all of your mortgage needs. I provide personalized guidance and direction regarding a variety of financing options, empowering you with the knowledge and resources you need.
Get in touch today to start making smarter choices regarding mortgages.
How I Can Help You
Get the Mortgage You Deserve
For me, there’s no higher priority than achieving client satisfaction. I work diligently towards providing the real estate financing solutions my clients need based on their unique financial situations and lifestyle preferences. Check out some of my specialized services below to learn more.
Home Loan
With our diverse loan programs, we can tailor to your specific mortgage needs. Whether you are a first time buyer or veteran real estate owner, we can lend you advice and guidance through your loan process no matter how complicated a financial scenario.
Purchase
If you are in the market to purchase a new home, we can quickly pre-qualify you. We'll let you know the maximum amount your are able to borrow and help guide you through the process
Refinance
We aim to provide a painless and hassle free refinance experience and will guide you through our process from beginning to end.
Contact me to see how I can help with your mortgage or refinancing needs.
What Clients Ask The Most
What You Should Know
I always make sure my clients are satisfied and totally on board with everything I do. If something isn't clear after going through my site, take a look at these commonly asked questions regarding mortgages, refinancing and other related subjects. Still can't find what you need. Feel free to contact me for more assistance and information
When can I lock my rate?
Locking in your interest rate means your lender guarantees the rate on your loan even if market rate changes prior to closing. Most lenders will allow you to lock your rate for 30 to 45 days, with the option to extend the rate-lock period for a fee.
How do you know whether to lock your interest rate? No one knows for sure which direction rates will go at any given time making a reliable prediction quite difficult. However, your loan officer will offer their due diligence in monitoring the rates to help you secure the best possible rate at the time.
What is the minimum down payment I can make on purchasing a new home?
Many first-time buyers believe they must be able to put down 20% of a home's purchase price in cash. This may be the case in order to avoid paying Private Mortgage Insurance, however, there are loan programs that offer down payment as little as 3.5%, such as an FHA program or 5% for a Mortgage Insurance loan.
If you are interested in learning more about the various programs please contact one of our loan officers today at 626-674-8419.
When should I refinance?
Anytime you are able to save at least 0.25% interest and refinance at no point no cost it is worthwhile for you to do so. iEccentric Realty and Mortgage has a fair amount of clients that come to us saying that they have been paying their mortgage for 10 years and do not want to reset their loan to a 30 year mortgage term.
Should I go with a 15 or 30 year loan program?
Depending on your financial situation we generally recommend the 30 year program to the majority of our clientele. Given that all fixed loans originating from iEccentric Realty and Mortgage have no early payoff penalty, we feel that it would benefit our clients by keeping their monthly payment low and having them pocket the extra savings. Here are some other benefits of the 30 year program:
At iEccentric we also understand the best choice is the one the customer is most comfortable with. If the customer is in a healthy financial situation, and has a surplus of reserve assets, it may be advisable to go with a shorter loan program so you can repay your loan quicker.
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Additional interest paid acts as a tax shelter as long as the borrowers are working
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Added flexibility for the borrowers as the extra cash-flow allows borrower to make additional investments, pay for child tuition's, and acts as a safety barrier for any emergencies (I.E. Job loss/Medical Fees)
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Option to make additional payments at anytime to shorten the length of the loan or pay off the loan completely after the 6 month wait period
What type of loan programs does iEccentric Realty and Mortgage offer?
iEccentric Realty and Mortgage offers a wide variety of loan programs ranging from the government VA & FHA loans to the conventional fixed program, ARM program, and Jumbo loans. The primary loan programs which we promote are the following:
10, 15, 20, and 30 Year Fixed Programs (We also exclusively offer 8,12, 22, and 27 Fixed Programs)
5/1 ARM & 7/1 ARM Conventional & Jumbo Programs
How long does it take to close a deal?
Upon acceptance of an offer, escrows are usually open for 30, 45, or 60 days with most contingencies lasting 17 days.
iEccentric Realty and Mortgage takes pride in being able to close loans in a timely manner. Upon receipt of the full loan application our lender is able to issue a loan commitment within 7 days with most loans closing in 3 weeks or less.
What is a no point, no cost loan?
As pioneers of the no cost loan, the majority of the loans at iEccentric Realty and Mortgage offer lender credit matching ALL closing costs. No point no cost implies just that - you will not have to come in with any out of pocket costs.
Standard closing costs include the following:
Lender fees: Your mortgage company may charge for expenses related to making the loan including an appraisal fee, a credit report fee, origination points, and discount points.
Third party fees: Charges for services not provided by your lender often include the settlement fee, title insurance, and escrow fees.
Prepaid items: Certain mortgage costs must be paid to your lender in advance. The most common of these are pre-paid interest, hazard insurance, and deposits to set up an escrow account.
**Our no point no cost program covers all lender, title, and escrow fees. However, it does not include pre-paid costs the borrower may be short on
**In the case of purchase transactions, iEccentric Realty and Mortgage does not represent escrow/title. Therefore, only Lender fees are credited.
We firmly believe the best way of helping our borrowers save money is to keep all their hard earned money in their pocket while still offering the most competitive rates. For more details regarding no point no cost loan please contact us.
Angela is a pleasure to work with. She's professional, knowledgable and detail oriented. She made my recent purchase as painless as possible. She made sure everything is on track and close on time. Highly recommended. Thanks Angela !
Phil Sprague
We recently refinance a mortgage through iEccentric Realty and Mortgage. No cost refinancing and Angela goes out of her way to get the paper work done and handled all parties with the utmost respect, and maintain confidentiality in the transaction . She was courteous, professional knowledgable and helpful every step, making a stressful process stress free. I highly recommend to my friends and family.
Sandy W.
Being in lending myself I can tell you it's not easy finding a competent mortgage broker. Angela is competent, communicative and gets things done when she says she will. There's no higher praise then when someone in the industry endorses her.
Casey Johnson
Get a Quote Today
Ready to purchase a property or refinance and need help with financing? Get in touch for a rate quote Pre approval today to find out how I can help with you mortgage needs.
