*** First time visitors: please call now for special temporary pricing! 800.700.8800 ***
Why Choose Better Choice Loans?
If you’ve spent any time researching mortgage rates in California, you know there are a tremendous number of online loan providers who want your business. So why should you choose Better Choice Loans? Simple: we GUARANTEE that we will provide you with the best possible mortgage rates in California, or we will pay YOU $300.
The Better Choice Guarantee
Our cutting-edge proprietary pricing technology instantly shops your loan with over 50 different banks to analyze mortgage rates throughout California. Whether you’re looking for the best possible mortgage rates in Los Angeles, mortgage rates in San Diego, mortgage rates in Sacramento, mortgage rates in San Francisco, or mortgage rates anywhere in between, our high speed database instantly compares information across the entire spectrum of CA mortgage rates, identifying the ideal program for your specific needs.
We are so confident that our process works, and that we can provide the lowest possible California mortgage rates to our clients, we’re willing to put money on it. $300 to be exact.
- Apply for a Better Choice Loans fixed or adjustable rate mortgage online.
- Receive an upfront rate and closing cost offer in writing.
- Take up to 3 days to shop for a lower rate from competing lenders.
- If you find a lower rate on a similar fixed rate or adjustable rate mortgage, we'll beat it or give you $300.
It’s that simple. Either we provide you with unbeatable CA mortgage rates, or we pay you $300.
The Better Choice Loans commitment to upfront lending practices allows us to offer you this unique guarantee. To further ensure accurate pricing, your guarantee will be provided in writing to detail the rates and fees associated with your loan.
Remember, this guarantee applies to all searches for CA mortgage rates from our site, including all major metropolitan areas:
- Lowest mortgage rates in San Diego - Guaranteed!
- Lowest mortgage rates in Los Angeles - Guaranteed!
- Lowest mortgage rates in Sacramento - Guaranteed!
- Lowest mortgage rates in San Francisco - Guaranteed!
Guaranteed Closing Costs in Writing
When searching for mortgage rates in Los Angeles, San Diego, or Sacramento, don’t be fooled by the sandbagging tactics many loan brokers employ. Hidden fees and surcharges can sneak up on you, turning what looks like a great mortgage into a money pit.
Better Choice Loans GUARANTEES that all applicable fees regarding California mortgage rates are included clearly and concisely in each agreement:
- Appraisal fees are GUARANTEED on all transactions
- Credit report fees are GUARANTEED on all transactions
- Flood Cert Fees are GUARANTEED on all transactions
- Closing Agent and Title Insurance fees are GUARANTEED on all refinance transactions (On purchase transactions, you and the seller select these service providers)
(Please be aware that we are unable to guarantee prepaid interest, taxes, insurance collected, government charges, or charges by your current lender at either closing or in connection with your payoff. Government charges include recording fees and state tax stamps)
On-Time Closing, Guaranteed
Whether you’re researching mortgage rates in San Diego, Los Angeles, or anywhere else in California, our streamlined, high-tech process allows us to fund your loan quickly.
We will do whatever it takes to meet your demanding schedule, and we GUARANTEE that your loan will close on the date set by escrow or we will pay YOU $250 towards closing costs.
(Please note that cannot provide credit to borrowers who do not respond to requests made within 24 hours by third party providers, including: appraisers, title companies, and escrow companies.)
No-Commission Pricing
Many lenders who offer initially tempting Los Angeles, Sacramento, or San Diego mortgage rates will reward loan agents who upsell mortgage products or steer their customers into a higher interest rate.
The Better Choice Loans compensation system does NOT reward loan advisors for putting borrowers into higher-priced loans, and our loan advisors are NOT allowed to change the rates, points, or other settlement costs posted on our site.
You can rest assured that the San Diego, Los Angeles, and Sacramento mortgage rates from Better Choice Loans will not be upsold, altered, or padded.
We're an Upfront Mortgage Lender
Better Choice Loans has been certified as meeting the requirements of the Upfront Mortgage Lender (UML) program. UMLs provide California mortgage rate shoppers with the information they need to make an informed decision before entering a mortgage program, and guarantee them fair treatment from application to closing.
