Patricia Chou

Patricia is owner and Principal of the Spera Financial Group, a financial services company which arranges equipment leasing and factoring services for small business owners. Website...

Why Use a Mortgage Consultant?

Mortgages are complicated financial products. Different rates, terms, and fees can significantly raise your TOTAL COST OF BORROWING. We are experts in real estate financing, who can not only line up the best rates available from our source of 30 lenders, but also find the mortgage product that best suits your needs and your financial goals. The M.C.I. promise is that we will help you manage your mortgage – for the lifetime of the mortgage – to have the mortgage that best suits your needs and lower your total cost of borrowing. A typical client can save tens of thousands of dollars over the lifetime of the mortgage by using M.C.I.

How We Can Get You the Best Rates

Whether you are a first time home buyer or a savvy investor, we will negotiate the best terms and rates on your behalf, finding the mortgage product that fits your financial goals and budget. We deal directly with over 30 lenders’, who line up to compete for your business. As we are negotiating on your behalf, the only time you invest is filling out the mortgage application. We do all of the work in lining up the best mortgage at the best rate. For the most typical mortgages, our fees are paid for by the lender so there is no additional cost to you, the borrower. WE SAVE YOU TIME, AND WE SAVE YOU MONEY.

What Types Of Real Estate Do You Finance?

We have experience in all types of residential real estate financing, from first and second mortgages, to rental properties. Please call us to discuss your specific mortgage needs.