Close on Time – Every Time
Zachery Adam is Your Bay Area California Mortgage Lender
Zachery Adam can match you with a mortgage for your Bay Area California home.
It won’t surprise you to learn that many homebuyers spend more time shopping for a pair of shoes than a mortgage loan. In fact, many go straight to a big bank, hope they get approved, and accept the offered terms. But it doesn’t have to be that way in California when you buy your next home in the greater Bay Area.
When banks from San Francisco to Santa Cruz stopped issuing new mortgage loans after the Crash of 2008, privately owned, independent mortgage lenders began approving California mortgages for homebuyers throughout the area. These independent lenders are subject to the same standards, rules and regulations as banks but they can offer a wider array of loan types.
The Advantage of an Independent Lender
An Independent California Mortgage Lender like Zachery Adam does not work for the banks. They underwrite most of their loans in-house. Independent lenders approve — and pre-approve — mortgages throughout California. Here are the top five reasons to talk to an independent California mortgage lender:
While a bank can offer many financial products for a wide range of customers, independent California mortgage lenders like Zachery only do mortgage loans. Zachery Adam of Prime Mortgage Lending and Equity Services, Inc. has the knowledge and experience to match you with the right mortgage with the best rates and terms for you.
Independent California mortgage lenders have been around for a long time, surviving the crash and thriving in the new market. Prime Mortgage Lending and Equity Services, Inc.was founded in 2005. It’s a well-established company with the funding to find mortgage loans even for unusual mortgage applications.
Being independent means independent California mortgage lender Zachery Adam can move faster than big banks to approve mortgages and close loans. Prime Mortgage Lending and Equity Services, Inc. can close in less than 30 days. Our goal is to close on time, every time.
Independent California mortgage lenders like Zachery Adam work directly with you throughout the entire approval process. You’ll be in contact with your lender every step of the way making the entire mortgage approval process much more transparent.
When it comes to mortgages, a California mortgage lender can outmaneuver banks because they offer more types of loans, such as first-time VA loans and debt consolidation loans. Being a California mortgage lender, we have the expertise to find the right loan for you.
An Alternative to Banks
Just as shopping around for shoes gets you the best price, shopping for a mortgage gets you the best rates. It pays to shop; it’s also the best way to educate yourself enough to recognize a good deal. Without choices, you’d have to rely solely on your banker. Homebuyers who’ve had a mortgage denied can remember the helplessness in the process.
Shop around for the right mortgage with your dedicated California Mortgage Lender. When you’re ready to buy a house — your first house, your second home or an investment — independent mortgage lenders like Prime Mortgage Lending and Equity Services, Inc.offer safe alternatives to big banks.
It pays to shop.
Prime Mortgage Lending and Equity Services, Inc.issues mortgages in all CA Counties (including the greater Bay Area, Silicon Valley and Santa Cruz County).
Thinking of Becoming a Home Owner?
Homebuyers trust Prime Mortgage Lending and Equity Services, Inc.for finding the right California mortgage.
Preparation is Key. We’re Here to Help.
You get the power of Prime Mortgage Lending and Equity Services, Inc.resources for your mortgage in the Bay Area, Silicon Valley or Santa Cruz County when you choose Zachery Adam to handle your mortgage application. Plus, you’ll have Zachery’s full attention, expertise and desire to help you get the best deal.
Zachery maintains his professional connections in Santa Cruz county. In our digitally connected world, your mortgage lender doesn’t have to sit across the table from you; he can sit across the country. He’ll still manage your mortgage application with all the care and attention to detail he brings to the table, wherever it happens to be.
Bay Area Mortgages
Zack keeps your loan application process simple.
Whether you’re applying for your first California mortgage or you’re an experienced investor, you can find an independent mortgage lender in the Bay Area. Take advantage of this trend to expand your mortgage choices in Silicon Valley or Santa Clara County. Prime Mortgage Lending and Equity Services, Inc.operates in over 35 states, including California, so they are well positioned to get you the right California mortgage for your new home.
Zachery Adam previously worked in a big bank but left because he couldn’t satisfy his customers to the level he wanted. Now, with years of mortgage experience, he is a branch manager for Prime Mortgage Lending and Equity Services, Inc. He chose Prime Mortgage Lending and Equity Services, Inc. because of the range of mortgages and the flexibility in the company. In turn, he offers the flexibility to you.
Customer Service Comes First
If you apply for a California mortgage with Zack, he’s on your side and represents you to Prime Mortgage Lending and Equity Services, Inc.underwriters. He spends time with you listening to what you want. He makes a habit of getting everything he needs upfront to minimize any surprises down the road and you get the best results.
Just as Prime Mortgage Lending and Equity Services, Inc.offers you alternatives to bank mortgages, Zachery can find alternatives for you. If he can’t help you, he’ll know quickly and can point you in the right direction to get the help you need to become a homeowner.
It’s this kind of attention to detail and transparent communication that makes Zachery Adam so easy to work with. He genuinely wants to help you. He believes that everyone deserves the American dream of owning a home.
“I have had the pleasure of Zachery’s expertise on two loans. A full purchase and later a refinance. During both transactions Zachery not only provided excellent transparency of all the moving parts involved but also came to the table with multiple financial options that were relevant and reasoned against my personal financial aims which he inquired about from the beginning. Zachery’s promptness, attention to detail and willingness to work aggressively behind the scenes to keep everyone involved focused on accurate paperwork, timely follow up and effort resulted in both transactions closing early and no surprises. He has a very calm, friendly, confident demeanor which makes it very easy to work with him. I hold him in very high regard and would unconditionally recommend him for any mortgage needs one might have.”Temecula, CA
Prime Mortgage Lending and Equity Services, Inc.is Nationwide
California homebuyers may want to choose a local lender, but most big banks are national or even multi-national companies. Similarly, Prime Mortgage Lending and Equity Services, Inc.operates in over 35 states across the country, including California. That makes Prime Mortgage Lending and Equity Services, Inc. a stable mortgage partner and allows it to share its resources with loan officers and branch managers like Zachery Adam.
From underwriters to analysts, Zachery is far from a lone individual in the mortgage industry. He couldn’t do it all by himself. He has the power of Prime Mortgage Lending and Equity Services, Inc.backing him up 100%. His experience in the California mortgage industry (both at a big bank and as a Prime Mortgage Lending and Equity Services, Inc.loan officer) will help California homebuyers get the mortgages they need.
When you start shopping for a California mortgage, talk to Zachery Adam. Discover all your options and decide for yourself where to get the best deal for a home mortgage.
Get More Information
The links below offer more information about the mortgage process. Discover why you can trust Prime Mortgage Lending and Equity Services, Inc.to finance your California home purchase.
Making the biggest investment of your life so far means it’s important to find a lender with whom you connect. Learn as much as you can about the home-buying process. A second home can be a wise choice for now and for the future. Make sure you find the right house and get the right mortgage.
Prime Mortgage Lending and Equity Services, Inc.offers more mortgage types than most banks. Review the variety of mortgage loans and read their descriptions. To understand the differences call Zachery.
If you’re applying for a mortgage here’s an invaluable list of things to do or avoid during the process. Even seasoned real estate investors can use a refresher. Get good advice on the dos and don’ts of buying your first home in the Bay Area.
What do you need to apply for a loan? The answer is different for everyone. Here’s a complete list to give you an idea. While you won’t need everything on this checklist, review it to get an idea of what your independent mortgage lender will ask about. For a more specific list, send Zachery a message.
Everyone has questions about buying their first California home and applying for a mortgage loan. This page answers the most common questions people have. These frequently asked questions are a resource for you. See if your questions are answered here.
Law requires that you be provided the homebuyer’s guide when you apply for a loan. Before you dig into the massive text, here’s a helpful summary. You will get a copy; but this page summarizes what’s in that disclosure.
As you explore the rabbit hole of mortgage loans, you’ll come across terms and acronyms that you don’t know. Look here for help. You’re not expected to know all the terms and phrases. Look here first or ask any questions you may have.
Zachery Is Available to California Homebuyers
Despite the time difference, Zachery makes himself available for his California homebuyers. California mortgage applications are given top priority. He acts as a communication link as he guides the application toward a decision. Zack keeps the process simple and as transparent as possible.
Since he can’t be at your side, Zachery maintains a communication link through phone and email. In addition, he uses a secure online application process and portal for document exchanges. He keeps you in the loop regarding updates on your application. These are among the many advantages of working with Zachery Adam. He won’t let you down or keep you waiting.
“My business ethics include education, transparency and integrity.”
Zachery Adam’s Blog
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325 Soquel Ave Santa Cruz CA 95062