Rick Pelleriti - Upfront Mortgage Broker

Why use me? Simply because I am one of the very few Upfront Mortgage Brokers in California. I publish my Loan Origination Fees right on my website (www.upfrontmortgageplanner.com) and that limits my total compensation. Any rebates from the lender goes to you, the borrower.

I also practice "Transparent Lending." I share the actual rate sheets, showing the interest rates and the corresponding pricing - so you see what I see. I offer my clients a choice - you get to pick the interest rate. Allowing you these choices can save you many thousands over the course of your loan.

This goes far beyond the new disclosure laws. Very few mortgage brokers will reveal their ENTIRE compensation UPFRONT, put it in writing, and never change it.

My clients love this - they feel empowered, and they know everything is on the up and up. There can be no surprises. Go ahead and Google "Upfront Mortgage Broker," and you'll see me listed many times.

If you are a Home Buyer, I offer a unique program whereby if you allow me to refer a Realtor to you, since I am legally able to collect a referral fee, I offer to pass on the Wholesale Interest Rate to you, and I do NOT charge a Loan Origination Fee. This way, you get the loan for free. I have many clients who were thrilled with saving thousands of dollars.

Finally, I use advanced technology to make sure I stay on top of the many changes in interest rates that are happening these days - as lenders continually come into and out of the market.

You can see the video I created to explain how I work at: http://www.upfrontmortgageplanner.com/Videos

I look forward to working with you.

Rick Pelleriti
California Upfront Mortgage Broker

I have the ability to do home loans throughout the entire state of California. I use advanced technology so your experience will be like me working right next door. I treat my clients like a family memeber, and I am there for you well past 5pm every day, including weekends.

You can rest assured that my MBA in Finance and my 20 years of Financial Analysis experience will be able to assess your situation to make sure you are getting expert financial guidance in what may be your single most important financial transaction of your life. Why would you trust that guidance from an online junior loan officer who quits at 5pm and doesn't work weekends like I do?

For the home buyer, I specialize in a very unique program, called the USDA Guaranteed Rural loan program. Briefly, it means you don't need any money to buy a home if you fall within the guidelines.

Financing can be 102%, with FICO scores down to 620. No cash reserves are needed. If the homes value is generally under $400,000, and you make less than $80,000 per year, there is a good chance you will qualify. This program is backed by the Govt., and is designed for rural areas where the population is generally below 25,000 - although there are several exceptions.

There are 20 entire counties in California that are qualified for this program. Since I cannot possible focus on the entire state, I am limiting my focus to about 25 cities, with the top ones being: Salinas, Lincoln, Yucca Valley, Grass Valley, Penn Valley, Auburn, Placerville, Paso Robles, Hollister, Watsonville, Desert Hot Springs, Windsor, Galt, Coachella, Soledad, and many others.

If you are in a somewhat rural area, just call me and I can quickly tell you if you can qualify.

Rick Pelleriti
Upfront Mortgage Broker

Testimonials Section: (many more available upon request)

Rick Pelleriti is a fantastic Loan Officer. Everything is straight up and up front. No hidden fees or last minute expenses. His fees are right on his website so you know the cost of you loan upfront. His loan rates are about 1/8 to 1/4 lower then other loan brokers and he beats banks easily. I have bought two homes and this is my 4th time refinancing Rick Pelleriti is the best Loan Broker I have dealt with. He always returns calls and emails and answers every question.

Excerpt from Yelp by Fred D.

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My husband and I have been working with Rick Pelleriti. We first started working with him in December, and were pleased with how responsive, informative, honest, and dedicated he was. I have peppered Rick with questions, and he has done a fantastic job of spelling everything out clearly for me. We had a little bit of a tricky situation back when we first started working with him, and Rick did a lot of research to find a product that worked perfectly for our needs. Then... I lost my job. Even after we told him that we were no longer going to purchase a home, he was still just as responsive and thorough in answering a few questions we had. That's why a few months later, when we decided we'd start looking again (but with just one income), we returned to Rick. Once again we've been impressed with his service, and he has gone above and beyond in taking care of us.

Danielle

His number is 408-672-1980, and his email is rick@upfrontmortgageplanner.com

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Hi Rick:

Thank you so much for your help. I am so relieved now that is almost finalized. But now, I need to help some of my friends who are still waiting for their refinancing process which are over a month or two already with no foreseeable end. I will refer them to you. I hope that you could help them out.

Once again, thank you so very much.

Another satisfied client,
H. N.

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We didn't get a chance to really thank you for all your hard work. We've been hearing from others how difficult it's been even for the simplest and straight-forward loans. So we appreciate the extra efforts you both have put in to push this through. Needless to say, we are very happy with the loans.

If the need ever rose, we would love to work with you again. And we would certainly recommend you.

Thank you again,
Sandra