Mortgage Lender
When you’re looking for a mortgage, it’s easy to assume all lenders offer the same thing—rates, terms, and processes. But the truth is, the lender you choose can influence far more than just your interest rate. It can shape how clearly you understand your loan, how flexible your options are, and how confident you feel throughout the process.
At All Valley Mortgage, Inc., we act as licensed brokers—not just direct lenders. That distinction matters. Instead of being locked into a narrow set of in-house loan products, we access a broad marketplace of mortgage options from dozens of lenders across the country. This lets us structure home financing around your needs, not ours.
Why Brokered Lending Matters
Most banks can only offer their own loans. That means if your profile doesn’t fit perfectly—say you’re self-employed, have fluctuating income, or want to purchase an investment property—you might get denied, or pushed into an ill-fitting product.
Mortgage brokers like us work differently. We compare lenders on your behalf—Fannie Mae, Freddie Mac, non-QM programs, VA, FHA, jumbo loans, and more. We look at the full picture: interest rates, fees, credit overlays, underwriting turnarounds, and long-term flexibility. We aim to find not just what works, but what works better.
Not Just Rates—Real Strategy
Many buyers start by asking, “What’s your rate?”—but the lowest rate isn’t always the best fit. Sometimes, a slightly higher rate with fewer fees or a shorter loan term saves more in the long run. Other times, a rate buydown makes sense based on how long you plan to stay in the home.
We walk you through how points, loan terms, and mortgage insurance interact. We explain amortization, prepayment options, and what your loan looks like in year one versus year ten. These aren’t just numbers—they’re the building blocks of your financial future.
Education Over Sales
We don’t push products. We teach you how to read your Loan Estimate, understand APR vs. interest rate, and recognize when a lender’s offer is padded with unnecessary costs. This clarity leads to smarter decisions—not just for this home, but for any you buy in the future.
Since 1996, we’ve served borrowers across California, Oregon, Idaho, and Florida—not just by securing loans, but by making sure those loans make sense. That starts with empowering you with the right information.