Welcome to Rick Pelleriti's Website
California's
Upfront Mortgage Broker ®
Broker Associate for Clarion Mortgage Capital
Find Out what "Transparent Pricing" means to you below.
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The rates on the left are the lowest Wholesale
rates from my lenders, based on well-qualified borrowers. Your rate may be slightly different. The "Wholesale Rate" is defined as that rate where there is very little or no rebate from the lender. Thus, the mortgage broker would have to charge a Loan Origination Fee (LOF). The Loan Origination Fee is always optional. A borrower can accept a slightly higher rate and avoid paying the LOF. |
My philosophy is simple - to help you get the lowest cost loan possible. I give you choices and let YOU choose the rate you want.
Please review the three major advantages I have over other Mortgage Brokers and Banks.
1. You have access to over 60 lenders offering the best rates in the marketplace.
2. State of the art technology from LOANSIFTER™ automatically and continuously monitors the lowest price for any interest rate for your scenario. You can rest assured you're getting the best available rate.
3. I also practice "Transparent Lending." That means I share with you what the wholesale prices are for every interest rate under consideration directly from the lender's rate sheets. This gives you the choice to decide what is best for you. I believe you deserve to see what the actual wholesale prices are for each interest rate so you can make the most informed decision possible. I can make them available to you every day that we work together. You can also Click here to see the tool that I created, my Interest Rate with Prices Spreadsheet. This allows you to make instant decisions on which interest rate/price combination is better than another.
Why use me? Because I use the best technology available to get you the lowest possible rate, and I allow you to see the actual prices so you are empowered to make the best choice for you.
I invite you to compare the service I can provide and the cost with any other mortgage broker or online lender, or bank. I am confident that my business model cannot be beat.
Sincerely,
Rick Pelleriti
Upfront Mortgage Broker®
408-457-7978
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Standard Disclaimer: "Loan approval is not guaranteed and is subject to verification of specific information that is requested at the time of application. Specified rates may not be available for all borrowers. Rates are subject to change."
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The Upfront Mortgage Broker® Pledge
I'm proud to display the logo and be a charter member of the Upfront Mortgage Broker's Association. Click here to view my pledge and commitment to you.
Briefly, working with an Upfront Mortgage Broker® means you can rest assured there will be no surprises, hidden fees, or interest rates going up at the last minute. Everything is disclosed "upfront," and I share wholesale rate information with you so together we can make intelligent decisions whether you want a wholesale rate, or if it makes sense, to get the retail rate...or something in between. There are a lot of choices, and most mortgage brokers don't bother to explain this. My clients are very happy when I explain these things to them, and you will be too.
I am proud to have been a founding member of the Upfront Mortgage Broker's organization, and eagerly joined after speaking with the mortgage professor, professor Jack Guttentag.
For more information on what it means to work with an Upfront Mortgage Broker®, CLICK HERE.
Rick Pelleriti
Upfront Mortgage Planner -- the only thing better than an "Upfront Mortgage Broker®."
408-457-7978 | 
