My Mortgage Home is your resource for rational mortgage loan pricing. We give you a backstage pass to the mortgage world, where you will discover how the process works, how loans are priced, and how you can benefit from that knowledge.

Our philosophy is simple: you are looking for a dream home, not a dream mortgage. Every extra dollar you pay for the wrong mortgage, or for an over-priced mortgage, is a dollar less you have available for your home.

The mortgage industry is much in the news. Mortgage money is scarce, underwriting standards have tightened, and “exotic” loans have disappeared. But the biggest story is still untold. Even if your financial house is in order, the current mortgage origination system is stacked against you.

How? There’s a reason the loan origination profession exploded in recent years. Being a loan officer is highly profitable. Loan officers have a huge incentive to give you a higher rate than the best available. The system pays loan officers “premium,” sometimes hundreds to thousands of extra dollars, for delivering loans with rates higher than the market. The loan officer pockets this up-front premium, and you pay for it (and then some) over time in the form of higher monthly interest payments. You won’t know because the loan officer is not legally required to share this information.

My Mortgage Home rewards you—not a highly commissioned loan officer—for your excellent credit status. Our streamlined process guides you to the best loan, and our pricing structure is simple and transparent. Traditionally, loans are originated for a 1% fee (plus all the back-end premium, which could be as much as 3%). If you qualify for our My Mortgage Home program, your loan will be originated according to this fee schedule:

Conventional Loans: 0.5%, with a minimum flat fee of $995 and a maximum flat fee of $2995. All premium is credited back to you, and can offset part or all of your closing costs.

Construction Loans: 0.5%, with a minimum flat fee of $1795 and a maximum flat fee of $3795. All premium is credited back to you, and can offset part or all of your closing costs.

Government (FHA & VA): 0.75%, with a minimum flat fee of $995 and a maximum flat fee of $2995. All premium is credited back to you, and can offset part of all of your closing costs.

Stand-alone equity loans: Flat $495.

There is much more for you to know. Give me a call, and I’ll show you the mortgage industry from the inside out, and engage you as a true and trusted partner in securing your home financing.