California Platinum Loans IS Whether you are purchasing your dream home, a vacation or investment residential or commercial property, refinancing an outstanding loan, consolidating debt, our experience & insight will help you find the right loan program at the most competitive rate. The ultimate goal is to create lasting relationships with each of our clients. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept securely private. The benefits of working with a local mortgage brokerage company are that we originate loans through the wholesale lending channel. What this means is that we have broker relationships with some of the biggest names in the lending industry, yes even those whose TV commercials you have seen on Super Bowl commercials. The good news is that while we originate through their lending channel we have none of the big overhead costs they have with their retail employees & offices. We get the same loan products at lower costs or interest rates. In fact since we aren’t limited to just one lender we can shop your loan with dozens of these “National Lenders” to find the best fit and/or the best price for your situation. This saves you from having your credit run several times by different lenders. We can run the credit once & just have the same report re-issued to multiple lenders to get you the best price.
Our mission is to provide the right financial solutions for individuals & families to accomplish their real estate goals. Our relationships with clients often last long after the closing. We serve our clients in an advisor role rather than just a transactional lender role. Helping them understand the use of mortgage financing as a financial planning vehicle to create & build long-term wealth. Whether that is by financing primary residences, investment/commercial property, or simply using mortgage financing for debt consolidation; wiping out higher interest rate credit cards, medical bills, or student loan payments.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154