California Mortgage Broker

"“With six years of Wall Street experience, Brian is uniquely suited to the mortgage industry. Combine that with his innate ability to analyze complex issues with the fact he's definitely smarter than the average bear, and you have a winner. The irony is, he's known as the most opinionated mortgage broker in America. True enough - just keep in mind he's also usually right on the money. I seek his opinion often.”"
Jeff Brown Fri Apr 27, 2007

"“Brian is at the top of my list for real estate financing in Southern California. He is personable, intelligent, and his previous experience in the securities/financial arena gives him the unique ability to view a person's entire financial picture and suggest strategic uses of debt overlooked by the average lender.”"
Ralph Weeks Wed Dec 12, 2007

"“I initially met Brian Brady through a very large online Real Estate Social Networking site. Over time many of us connected and met; some began to do business with each other. One day, absolutely lost for a solution for a client, I called Brian. He pulled the proverbial rabbit straight out of the hat! Not only was he able to do what no loan officer before him could, he did it with an ease and grace that separated him from normal lenders. Brian is not average. Brian is not even above average. Brian Brady is at the pinnacle, he is where others will only ever aspire to be. Brian Brady is an extraordinary loan originator who is able to meld his 14 or more years as a financial adviser on Wall Street, and his incredible knowledge of the banking industry, to provide stellar service. Intelligent, extremely well informed and kind, referring my clients to Brian insures that my clients are in the very best of hands. Whom I associate with is a direct reflection on my service, I like this reflection very much thank you. Brian, his lovely wife and business partner Debra, and I have become a team to be reckoned with. I like it. It is not possible to express how highly I would recommend the services that Brian Brady provides, I don't know if a recommendation that high exists yet.”"
Laurie Manny Sun Dec 30, 2007

"Brian is not a typical loan originator. Brian consistently demonstrates the highest level of integrity coupled with creativity. He has the ability to connect with my clients in a unique way. Today's current real estate market is very tenuous. Brian has held together more than one transaction for my client's when all seemed impossible. It is my delight to recommend Brian to you. You will enjoy his special blend of wit and wisdom as you work together to achieve your client's goals of home ownership.”"
Marlene Bridges Sun May 4, 2008

"“Brian has an extensive financial background and knows how credit markets work. My clients love his blog because it addresses many of their concerns. Brian knows the mortgage business and understands the needs of consumers who are buying or refinancing a property. I can always count on Brian to give my clients the best service and the best rates available.”"
Kaye Thomas Mon May 5, 2008

"“Brian is one of few mortgage professionals that I have come across who understands the truly awesome potential of a mortgage, and how to illustrate that to a client. His knowledge of the mortgage market is impressive, and he regularly publishes articles on the subject. I would highly recommend allowing Brian to take a look at your current mortgage situation, to see if you are making the most of it. Chances are you will come away better educated about its potential, and a better financial position.”"
Tony Krvaric Sat Sep 20, 2008

"“Brian is a renowned expert in his field. He may be in California and me in Virginia, but I often seek his articles for the latest in guidance and expertise. Brian is one of the few individuals who can absorb all this credit market "stuff" and come up with coherent explanation and advice.”"
Dennis Blackmore Sat Nov 1, 2008

"“If half the game is showing up, Brian Brady has swept the entire series. And Brian brings to the game an extraordinary depth of experience and knowledge, plus the analytical ability to interpret that experience and knowledge in ways highly beneficial to his clients.”"
Cheryl JOhnson Fri Nov 9, 2007

"“Brian is methodical. It's what you want in a mortagage lender, he's never taken by surprise, he knows what's happening on every file every time. Why take chances? He's going to get it right, he's going to treat you well, and he's going to keep his promises.”"
Chris Johnson Wed Nov 12, 2008

"I am just going to do a cut and paste from another thread but I figured there is alot of good info I just learned thru the course of my recently closed VA loan. I have to say I found it important to consider a good agent familiar with VA. It was especially helpful during negotiations with REO's or "great deal" properties with multiple offers. A good agent can calm the seller's fears that a VA loan will take forever and isn't as strong of an offer. I had a couple of retired Marine Captains as my agents and I could speak their praises all day long. (Mike chiesl and Dan Chapman) I also had a great mortgage broker- who was able to pull off 100% financing above the previous $417 cap. Anyway you can read more of my recent experience below. Good Luck! I just got a approval on VA- the no down payment is correct but there is a 2.13% VA funding fee which can be funded into the loan (the perk with this is there is no PMI) So over 2.5 years the fee is less than paying like $300/m PMI. Also the seller needs to cover closing costs. Other than that you will be caped at 417K and after that you pay 25% on the difference. So a $450K loan - 417 = 33K and you pay 25% cash on the 33K difference so $8300 or so. Which is still lower than conventional - most of which are wanting 10% down now. Google says the guy I got qualified with is America's #1 mortgage broker- after a hour on the phone with this guy I would agree. Brian knew his stuff. Never thought we would need our VA benefits but without liquid assets it is a good choice in today's market. An update to my previous post- I may have been one of the first VA loans to close without any money down since the President signed H.R. 3221, the Housing and Economic Recovery Act of 2008 on July 30th. I couldn't be happier that I was able to buy a great house here in San Diego and use the money I saved on a down payment on remodeling instead all thanks to Brian (America's #1 Mortgage Broker on Google). VA Benefits just got that much Sweeter in California (where you are hard pressed for a house under 417K in a lot of areas) . You now can go over the $417 K cap without paying the difference of 25%. Under old guidelines your benefit was good for 0 down up until $417 at which point you had to come up with 25% of the difference. So say on a 600K home you subtract 417K and then take 25% of the difference = $45,740.00 -Ouch! But they just changed the guidelines thru the end of the year! So any home in San Diego County, for example, under $697,500 (you can check your area cap at https://entp.hud.gov/idapp/html/hicostlook.cfm) is eligible to pay 0 down with VA, which is great. You can read the details of the bill at http://www.homeloans.va.gov/circulars/26_08_11.pdf . I literally was one of the first loans to close this kind of VA loan and Brian was able to pull it off, which is no small task in today's market. I really can't say enough good things about him and he even put me in touch with some amazing real estate agents. If you can use your VA benefits I would suggest doing it before the end of the end of the year, when the guidelines change again. Look this mortgage guy up and give him a call, seriously! Cuz the closest next option is 3% with FHA and mostly 10% with Conventional. And then a good agent can negotiate getting some of your closing costs, VA funding Fee, and even a point paid by the seller, like I did. -But you really need to be careful with who you choose to get your mortgage. It can be dicey with all these lenders going bust. It would be awful to find you dream house, get thru negotiations, start a loan with the wrong person, who starts your paperwork with a bank who goes bust 3 weeks into the process and then you lose your escrow monies and the house. So just be really choosy and go with someone who is familiar with the VA process from before the boom loan time to save yourself some money and headaches. Now can be a great time to buy with the new rule, the foreclosure deals, and since rents are up somewhere around 13% in San Diego area-just make sure you have a good team behind you"
Jessie Kastelan Sun Oct 12, 2008