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Loan Agents Carmel Mtg Vs. Your Bank Is Your Credit Info Being Sold? Monterey County Inclusionary Homes
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30 Yr Fixed 5.375% $0
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15 Yr Fixed 5.125% $0
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I've been in the real estate business for over 30 years now. Your Borroware software is the easiest loan application I have ever completed. You have a winner here!
—Robert B..
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MMG Report
Greenspan Talks - Foreclosres Rise
Former Fed Chairman Alan Greenspan was quoted as telling Asian investors on Wednesday that US economic data suggests that the world's biggest economy could face a mild recession. He suggested that the credit crisis will end when home prices in the US...
Report for the US Govt.

Report for the U.S. Government shows Brokers like Carmel Mortgage
save comsumers money!


The first-ever independent national study of mortgage broker pricing Vs. direct retail lender pricing found that brokers tend to be cheaper.

The new statistical study, conducted by a research team headed by Georgetown University economist Gregory Elliehausen, examined a massive sample of one-million plus first and second mortgages from the portfolios of 10 major lenders.

The researchers focused on annual percentage rates (APRs) -- the base interest rate plus lender or broker fees -- on loans originated by lender-employed loan officers and independent brokers who originate and sell their mortgages to the same lenders.

  • Broker-originated loans were 1.13 percentage points less costly than lender originated first mortgages, according to the statistical analysis.
  • On second mortgages, the gap was even larger -- broker loans were 1.97 percentage points cheaper.

Carmel Mortgage Broker SAVINGS:

On a $750,00 first mortgage, 1.13 percentage point savings would equal $8757.50

On a $200,000 second mortgage, 1.97 percentage point savings would equal $3940.00

Carmel Mortgage
200 Clock Tower Place E-150
Carmel, CA 93923
Phone (831) 625-3939

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Carmel Mortgage - Site Map

Homebuying Center
Mortgage and lending information for purchase and home buying loans.
Refinance Center
Carmel Mortgage Refinances Monterey County and California - Learn about Monterey Refinance Programs, refi with Carmel Mortgage, the credible local mortgage company
Home Equity Center
Mortgage and lending information for home equity loans.
Learning Center
Mortgage, lending, and credit information.
Less Than Perfect Credit
Learn how credit scoring works and how you can improve your credit score.
Financial Calculators
Financial, mortgage and lending calculators.
Today's Rates
Check for up to date rates and loan programs.
Commercial Loans
Commercial loans programs and information.
Construction Loans
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Interest Only Loans
Interest only loan programs and information.
Become a Loan Officer with Carmel Mortgage
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Is Your Credit Info Being Sold?
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Carmel Mtg Vs. Your Bank
Carmel Mortgage Vs. Your Bank - Carmel Mortgage helps people of Monterey County and all of California find the best home loan at the bes rate for their financing needs and goals. We do not push the most expensive loan like banks can.
Monterey County Inclusionary Homes
Carmel Mortgage does Monterey County inclusionary loans & refis - Learn about Monterey County Inclusionary housing & loans and info here
Loan Agents
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Cities we serve
Pebble Beach, Carmel, Carmel Valley, Monterey homes, Monterey CA homes, Pacific Grove, Salinas, Seaside, Marina, fort ord, new monterey, oldtown salinas, Pasadera, Las Palmas, greenfield, big sur, carmel-by-the-sea, spreckels, castroville, prunedale, elkhorn, moss landing, aptos, santa cruz, carmel homes, salinas homes, pasadera homes, las palmas homes, monterey CA
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