Design a customized mortgage strategy for you!
Welcome to the website of Ernie DeCoite, mortgage professional at Financial Mortgage in San Ramon. When you decide to buy real estate or refinance a mortgage, it's a big step. I am dedicated to helping my clients make the most informed mortgage decision possible. I believe my role is to help you integrate the mortgage loan that you select into an overall long and short-term financial and investment plan to help minimize taxes, improve cash flow and minimize interest expense. Today, a mortgage, more than ever, is not just a loan, but a financial planning instrument. My goal is to become your trusted advisor by helping you design a mortgage strategy regarding your real estate debt and equity structure which will allow you to become financially secure and on a track to building wealth and financial independence. I do this by assisting you to identifying your financial strengths, weaknesses and opportunities and then help you choose the right loan for your unique situation to design a clear path of success for the future.
Buying a home is a huge accomplishment. Few investments provide the kind of opportunity for wealth building and tax benefits like real estate ownership. But it’s important to remember that a home is much more than an investment. A home reflects your personal lifestyle. It’s where you raise your family and make memories. That’s why it is so important that you entrust the financing of this asset to someone that has your best interest in mind. As your independent mortgage consultant I represent you, not a bank. I have access to literally thousands of loans from hundreds of investment sources and can help you get the loan that best fits your lifestyle too.
Refinancing your current mortgage is an important financial decision
. Picking a loan that fits into your overall financial plans can seem like a daunting task. I understand that each person's situation is unique to them. I can help you design a mortgage strategy that fits your unique needs. Let me guide you to the very best refinanced loan!
Tapping into your home equity has become more difficult in today's lending environment. Its more important than ever to work with a lender with access many loan programs including FHA loans, Conforming loans, Jumbo Mortgage loans and unique Portfolio Mortgage loan programs so you can get the best mortgage to fit your goals.
Please navigate my website to learn more about the current market, your loan options, what I can do for you, and how easy it is to get started. If you have any questions about your mortgage options don't hesitate to contact me today.
