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Home > Search UMB's > Signature Realty & Mortgage, Inc.
Contact Information

Signature Realty & Mortgage, Inc.
702 Marshall Street
Suite 320
Redwood City, California 94002

(650)271-7048 [phone]
[email protected]

Organization Affiliation

California Association of Realtors (CAR)
National Association of Realtors (NAR)
San Mateo County Association of Realtors (SAMCAR)
The Upfront Mortgage Bankers Association (UMBA)

Contract With Client

Jason uses the standard UMB contract with borrowers which identifies his fixed mark up over wholesale rates.

Technology Employed

Morgage Automation System:  Calyx Software® Point®

On-Line Morgage Application and Tracking System:  Calyx Software® Webcaster®

Locking Procedures
Jason locks refinance loans upon receipt of the completed application, plus other items that have been requested from the client if received during standard business hours. 

Purchase loans are locked on the day the purchase contract is authorized, provided the client has already provided the information required for a pre-approval used to support the purchase if there is knowledge and reciept of an aurhorized puchase contract.  Any locks made are executed during standard business hours.

Third Party Fees
Lender Fees: Wholesale lenders charge a fee to underwrite the file, prepare the loan docs and fund the loan. This also includes the tax service fee and the flood certification fee.

Appraisal Fee: Ranges between $250-$750 depending on type and size of home.  Customers are encouraged to seek for their own appraiser.  We can recommend a appraisal company if the customer makes such a reqest.    

Broker Fees
Broker Fees:  Signature Realty & Mortgage negotiates fees on a case by case basis and rates are quoted at par pricing.  Some of the criteria that goes into the determination of our fees are: Loan Amount, Credit History, Documentation Type, Borrower Participation, and Closing Time Frame. Typical Fees are as follows:

Origination Fee: Negotiated on case by case basis, but usually standard transactions require no upfront fees and are set at 1% of the loan transaction size. 

Yield Spread Premium: The spread that the bank pays us to deliver a certain rate to the customer. This fee is always disclosed by Signature Realty & Mortgage, Inc. and the customer has the option to use the Yield Spread to pay for the origination fee to keep up-front costs lower.  This is worked out on a case by case basis with the customer to determine if it makes more sense to pay the origination fee, the Yield Spread Premium fee or a combination of the two.

Consulting Fee: Available on a case by case basis.  Usually if a transaction is not emanate, arrangements can me made to charge a non-refundable consulting fee, plus travel and expenses for a predermind scope of work.  If a transaction evolves, we tipically credit back the non-refundable consulting fee.

Fixed Fee: Available on a case by case basis, as are houry rates for consulting and professional services.


Jason Born was reared in the San Francisco North Bay Area.  Today, Jason is happy to call The Peninsula - Belmont, California home.  Signature Realty & Mortgage clients benefit from Jason’s broad background in real estate, finance, construction and technology.  Jason brings over fifteen years of professional financial management and client service/sales experience to the firm.  Most recently, he worked with Bay Area Capital Funding in Belmont and prior that he was with Sky Valley Financial in Benicia, CaliforniaJason also brings to his work knowledge gained from deep hands-on experience in construction and high-tech home systems.

Signature Realty & Mortgage, Inc.
702 Marshall Street
Suite 320
Redwood City, California 94002

(650)271-7048 [phone]
[email protected]