Get the Best Mortgage Rates in California with Our Personalized Broker Services
Sharp Rate Mortgage is the go-to source for all your mortgage needs. Our experienced brokers provide competitive rates and personalized service to get you the best deal. Start your journey to homeownership and real estate investment today with Sharp Rate Mortgage!
Comprehensive Loan Products.
Exceptional Customer Services.
Sharp Rate Mortgage is a premier mortgage broker offering a wide range of lending products through a network of wholesale lenders to suit your individual needs. We provide step-by-step hand-held guidance with expertise to ensure you an easy and successful home loan experience.
Expert Mortgage Guidance: Navigating Your Options
With our deep understanding of the market and extensive industry knowledge, we will help you navigate the complexities of mortgage choices, ensuring you make the informed decision with the loan product / loan structure decisions.
We shop, and structure the loan for your best rate
Proivde you with transparent info on rates, fees, puchasing price, loan amount, monthly housing payment, and closing cost.
Provide pre-approval letter for you to start making offers with confidence
Through our dedicated initial consultation process, we stand 100% behind the pre-approval letter we issued and supporting you in making purchase offers with confidence and negotiation power.
Full suite personalized handholding support.
1. Personalized loan consultation
2. Pre-approval process
3. Loan applicaiton process
4. Loan underwriting management
5. Loan closing proces
Optional -
A. Ways to pay off the loan early.
B. Refinance options.
C. Start an investment purchase.
Our Loan Solutions
Full Doc Loan
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CalHFA loans with down payment assistance
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Conventional loans with up to 97% or 95% loan-to-value (LTV)
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One-year tax return only programs
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Conforming and high-balance loan amounts
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FHA programs with lower rates and a higher debt-to-income ratio up to 57%
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VA loans with up to 100% purchase price financing
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Jumbo loans with 10% down payment and up to $3 million loan amount.
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Jumbo loan with interest only payment option.
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Rather than relying solely on tax returns and paystubs, many lenders now use 12-24 months of bank statements to calculate monthly income based on the average deposit amount. This is an option often used by self-employed small business owner.
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Individuals who have a large down payment or significant equity may be eligible for a loan without the need for income documentation. This option can be particularly helpful for those going through a divorce or new immigrants without a job history.
Investor Loan
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Full doc 1 - 4 unit investment property loan. Features lower interest rates. Fully amortized 30 years fixed rate loan. Ideal for long term holding.
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DSCR loan program is based on debt-service coverage ratio, using monthly rental income to cover mortgage payment, tax, and insurance. Personal tax returns and financial statements are not required, and interest-only payment options are available. Loan terms are 30 years with initial 5/7/10 years fixed and then adjustable. This program is ideal for investors with an exit strategy planned, and available to foreign national.
Commercial Loan
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5+ multi-unit apartment loan
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commercial building
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warehouse
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construction loan
Alt-Doc Loan
No Tax Return
Passionate Experts Delivering Impeccable Reliability
We strongly believe in the social, psychological, and financial advantages of homeownership. Our main objective is to empower individuals to take advantage of inflation and build wealth through the growth of home equity. We are particularly enthusiastic about the leveraging opportunities that a home mortgage provides, as it allows people to pursue their financial aspirations with ease.​
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Our esteemed team comprises experts with a wealth of knowledge, including professionals with MBAs, real estate broker licenses, NMLS licensed loan originator credentials, and seasoned loan processors. Collaborating with top nationwide lenders, we have established strong partnerships that allow us to offer unparalleled loan products, competitive rates, and exceptional service to our valued clients. By leveraging our expertise alongside the comprehensive operations of these industry-leading lenders, we provide our clients with the most comprehensive and effective lending solutions available.
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Place your trust in us as we navigate the lending process on your behalf, ensuring that you secure the most advantageous loan products and rates tailored to your unique needs. With our guidance, you can embark on your homeownership journey with confidence and peace of mind.
We Take Pride in Our Numbers
7
Years of Experience
15
Lender Partners
25+
Loan Products
58
Counties State Wide
7
5 Stars Awards
Ian Fenty
Lillian found me an excellent mortgage rate that beat two other lenders by a mile. Her hard work got us to closing in record time. She patiently answered my many questions and offered valuable advice. Her initiative to suggest ways to improve my FICO score saved me several thousand dollars in closing costs. I am pleased to wholeheartedly recommend her service. | Jumbo Purchase Loan
Adam Gerza
I've used Lillian on several house purchases and refinances over the last few years. She has consistently gotten me the best rate and provides great service. | Refinance & 2-4 Units Investment Purchae Loan
Jordan Bartow
Lillian is knowledgeable, professional, and very thorough. She helped me get an excellent rate when I refinanced 9/2021 - was even better than the rate my bank was offering. I worked with Lillian again 1/2022 and she helped me to get the exact product I was looking for to help finance a new home. She’s simply the best !! | Jumbo Purchase Loan
Are you ready to start your home-purchasing & real estate investment journey?
No matter what hurdles you may be facing, whether it be a low down payment, insufficient income, or uncertainty on where to begin, we are here to assist you. Our team will help you navigate the available resources, identify potential solutions, and determine the best next steps to help you achieve your homeownership and real estate investment goals.