MORTGAGES SIMPLIFIED
No personal information required.
The traditional mortgage is broken.
Banks thrive on confusion. They offer one-size-fits-all products and hope you don’t ask questions. We do the exact opposite.
1. Clarity.
Most lenders want you in the dark. We start by turning on the lights. Before you apply for anything, we hand you The Joy of Mortgages. You master the seven levers of homeownership. You learn the math. No secrets. Just complete control.
2. Confidence.
When you walk into a bank, their employees work for the bank. We work for you. You get one dedicated advisor. We study your unique financial life and build a strategy that serves your interests, so you can move forward with absolute certainty.
3. Choice.
You should never be held captive by one bank’s rate sheet. We take your exact needs and shop them across dozens of top lenders. They compete. You get the absolute best loan at the absolute best price. It is that simple.
Master the Seven Levers of Homeownership
Claim your complimentary copy of “The Joy of Mortgages” and discover how to navigate your rate, financing, and future with complete confidence.
Feel free to add your number only if you prefer a text or a direct conversation. No pitches, just guidance.
Understand Your Options
Simplify a Universe of Choices
Decode The Jargon to Navigate Your Mortgage With Clarity and Confidence
Understanding Your Mortgage Options
Simplifying a Universe of Choices
Twelve Basic Ways to Map Your Mortgage Path.
Decoding the jargon to navigate your mortgage with clarity and confidence can save you thousands.
30 Year Mortgage
America’s most popular choice offers maximum stability over time
15 Year Mortgage
Accelerates freedom, builds wealth quicker, and saves thousands
Fixed Rate Mortgage
The safe bet for stability and peace of mind you can count on
Adjustable Rate Mortgage
The flexible option offering initial benefits with strategic savings
Conventional Mortgage
The standard choice for qualified buyers offers time-proven options
FHA Mortgage
Offer a great pathway to ownership by removing barriers to entry
Jumbo Mortgage
Finance higher-priced properties and more costly locations
Super Jumbo Mortgage
Finance luxury properties and premium locations
VA Mortgage
Offer veterans valuable benefits as recognition for service
USDA Mortgage
Facilitates rural homeownership for many farms and communities
Reverse Mortgage
A Home Equity Conversion Mortgage (HECM) helps with retirement
Private Equity Mortgage
For sophisticated borrowers and investment properties
Mortgage Learning Center
Your Mortgage – Initial Document Review
Your Mortgage – Property Appraisal
Your Mortgage – Underwriting
Your Mortgage – Clear to Close CTC
Your Mortgage – Credit Scores
Your Mortgage – Mortgage Insurance
Jumbo Mortgage
Adjustable Rate Mortgage (ARM) Options
Adjustable Rate Mortgage (ARM) Timeline
Conventional Mortgage Only 1 % Down
Conventional Mortgage 1 % = Latte/Day
Conventional Mortgage Only 3 % Down
Easy Online Mortgage Loan Application
FHA 3.5 % Down
Go Paperless On Your Mortgage
Home Purchase Mortgage Myths
Broker Advantage Vs Bank
Broker Vs Bank: Shop Rates To Save You $
Broker Vs Bank: Rates
Broker Vs Bank: Options
Broker Vs Bank: Options Continued
FAQ
Secured Document Upload For Borrower
Tam Funding
Tam Funding is a licensed broker under the CA Dept. Real Estate: 02009074. Broker of Record NMLS : 1403204. Corporate NMLS: 1829222. CA Dept. Insurance: OL88065.
Borrower Conditional Approval is issued only when lender underwriting supplies a written clearance to do so. Borrower Conditional Approvals are conditional, not guaranteed and subject to lender review of all borrower information. The final funding of the loan is dependent upon all borrower conditions being met. Rates indicated are subject to market changes and may only be available to certain qualified borrowers. Tam Funding is an Equal Opportunity Real Estate, Mortgage & Insurance Broker.
Equal Housing Lender
National Mortgage Licensing System