Finance Tips

How to Get a Better Rate – Even After You’re Locked In

Learn how to save on your locked mortgage rate if rates drop with strategies like float-down options and lender negotiations.

By Mark Ramirez|2025-03-21T03:36:36+00:00March 19th, 2025|Demystifying Insights, Finance Tips|0 Comments

The Mortgage Trap: How to Avoid Getting Stuck with a Bad Loan

Avoid costly mortgage mistakes by spotting red flags, understanding your rights, and choosing the right loan type for your financial situation.

By Mark Ramirez|2025-03-21T03:35:00+00:00March 18th, 2025|Finance Tips, Mortgage Preparation|0 Comments

Do You Really Need a Perfect Credit Score?

A perfect credit score isn't necessary to secure the best mortgage rates; focus on achieving a score of 760 or higher instead.

By Mark Ramirez|2025-03-18T14:57:58+00:00March 17th, 2025|Finance Tips, Mortgage Preparation|0 Comments

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949 S. Coast Drive
Suite 240
Costa Mesa, CA 92626
Branch NMLS #1086654
Corp NMLS #34381

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We are licensed in the following states:

Arizona: Licensed Mortgage Banker - License #1034683.
California: Licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act. License #CA-DBO1192984.
Colorado: Mortgage Company Registration - License #100520774.
Idaho: Mortgage Broker/Lender License - License #MLO-2081192984.
Florida: Licensed Mortgage Lender - License #LO105507.
Nevada: Licensed Mortgage Banker - License #77438.
Oregon: Mortgage Lender License.
Texas: Licensed Mortgage Banker.
Washington: Consumer Loan Company License - License #MLO-1192984.
Wisconsin: Mortgage Banker License - License #1192984.

NMLS Consumer Access: For more information about United Fidelity Funding Corp dba HomeLoanAgents and its licensing, visit the NMLS Consumer Access website.

Texas Mortgage Banker Disclosure
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.