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Home > Search UMB's > Realty Success Group
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]
david@sandiegohomesnloans.com
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 Estale. License Number 01212905 / NMLS Registry No. 329042

Member: Upfront Mortgage Brokers Association
Member: CA Mortgage Broker Association
Member: North County San Diego Board of Realtors
Member: California Association of Realtors
Member: National Association of Realtors
Contract With Client

  LOAN ORIGINATION FEE FAIRNESS POLICY AND PLEDGE

As an independent contracting Mortgage Broker, I am free to set my own origination fee and Lender paid compensation limits.  I believe in fair and affordable loan origination pricing.  Borrowers benefit from lower rates when origination fees are fixed regardless of loan amount, and are set upfront.  I also believe that fair and honest Broker fee pricing should be offered freely, and not in response to what other competing loan providers may have offered or only after a loan package has been submitted. 



Competing Loan Brokers should be encouraged to submit their “Best Broker Fee Offer” without reference to this offer, or 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.  There should be no need to submit an application package before receiving a broker fee quote! – offers or guarantees to "beat any quote - should raise ethical questions such as:  Why isn't this Broker willing to offer an 'Honest' upfront fee thats competitive in the first place?  

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 that exceeds agreed upon fixed fees for Lender Fees and Broker Origination and Processing, 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.


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

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  You may lock your loan for 30 to 45 days with a submitted loan application package and preliminary underwriting approval from us.  Preliminary approval may take as little as 1-2 hours from application package receipt. With preliminary underwriting approval, we'll 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 for the work provided.
Broker Fees
Our Guaranteed Fixed Origination and Processing Fees are ultra-competitive and are 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 12 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]
david@sandiegohomesnloans.com
http://www.SanDiegoHomesnLoans.com