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TOPP Lending




A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan. Mortgage brokers are the middleman between you and the lending institution, which can be a bank, trust company, credit union, Mortgage Corporation, finance company or even an individual private investor. A mortgage broker will analyze your financial situation to determine which lender is the best fit for your loan needs. He or she will submit your mortgage application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. He or she receives a commission from the borrower if the loan closes.
 
TOPP Lending is licensed under the California Department of Real Estate. The firm is associated with the Excel Group, which offers a full range of residential Real Estate Services including property management. They use the most advanced technology available to close loans quickly, at a reasonable cost.
 
By combining the use of advanced processing software and automated underwriting systems they have taken the mystery out of approving and closing a loan. Their goal is simple offer a variety of loan programs that meet the needs of their clients and expect a resonable return on their profits.
 
Their business is built on a foundation of doing business in an honest, dependable and ethical manner. Obtaining a mortgage has become increasingly complex, because of the many choices that the client has to sort through. They have the ability to understand the market and what lenders have to offer, so that they can match your financial desires to those lenders and receive a positive response in your behalf. They have built a business on referrals through friends and other Real Estate Professional.
 
They offer loan programs that consist of Fixed Rate Mortgages, Adjustable Rate Mortgages, First Time Buyer Programs etc. in that specifically include 10/1 ARM, 30 year fixed, 3/1 ARM etc. These programs give some advantages like as Lower down payment, No closing costs etc. Disadvantages include higher interest rate, Payments may change over time, Risk of rates being higher at the end of the initial fixed period etc.
 
TOPP Lending is exceptionally proficient at grabbing promising opportunities. The Company continues to expand its horizons in finance setting standards of excellence in multiple fields and transforming promise and potential into economic realty.

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