My Bio
I started out in the mortgage business in 1987 when 30 year fixed rate mortgages were about 12%, the Conforming Loan limit in California was $153,100 and the median home price in Los Angeles was only $165,000. We were excited when our office got a new computer, our first fax machine and offered our first Jumbo Loans. How times have changed!
Since then, I have seen many market cycles, rates rising and falling, guidelines getting tighter and then relaxed, but one thing has not changed when you apply for a Conforming or Jumbo Mortgage in California:
When you apply for a Conforming or Jumbo Mortgage in California, you want to: consult with an experienced mortgage professional who knows the business; understands your needs and goals and can guide you through the loan process. Of course, you need to close on time, you want no surprises and competitive rates and fee's. Pretty simple!
Over the years, I have seen the industry from many angles. I have been with 2 of the nations largest banks, a mortgage broker and now a mortgage banker. In today's market I believe an experienced mortgage banker is your best option when obtaining a Conforming or Jumbo Mortgage.
Whether you are a first time home buyer or buying the home of your dreams on the golf course, mountains, lake or beach, I can provide you with all of the facts you need to make the right choice on what is the best Conforming and Jumbo Loans available.
My specialty is Jumbo and Super Jumbo Loans. If you are a high-net worth individual with excellent credit, lots of equity or a large down payment and can document your income, we have great options and great rates. You may qualify for many options, but there may be many other factors to consider based upon your long term strategies.
Since many high-net worth individuals are self employed and have multiple streams of income, in today's environment you need to work with someone experienced in packaging your Jumbo Mortgage in California. You will not get approved today just because you have an 800 FICO score and lots of assets. The key is properly documenting your income and on Jumbo Loans, this is a specialty!
During my 20+ year career in real estate, I have had great success in other areas, which have broadened my experience and knowledge base. If you are a real estate investor, it may benefit you to work with a loan professional who has managed a $50,000,000 portfolio of real estate. In addition, I sold and leased shopping centers, office buildings and managed a regional office for a national real estate management company with 50 employees, over 2 million square feet of commercial properties and more than 2,500 apartment units.
I bring my 23 years of experience to every transaction and would be glad to service your current real estate financing needs for either a Conforming or Jumbo Loan in California.
“My wife & I cannot recommend Bill Emhoff adequately enough except say his work with our home loan process was "superlative" from start to finish!!!! He was tireless in pursuing & obtaining the best rate and locking it in at just the right time. He is the one to go to for counsel on the current mortgage market.”
- John O’Brien
"My wife and I worked with Bill Emhoff on two transactions last year. Even as a writer, it would be difficult for me to say in words how happy we were to have worked with Bill. He was: patient; professional; great at explaining all of our options and delivered on absolutely everything he promised to deliver. In both cases, we were ecstatic with the new loans we obtained. I would highly recommend Bill to anyone looking to buy, sell or refinance."
- David Polsky
“As a 10 year Real Estate Professional, I have dealt with many lenders. There are only a couple lenders I use on a regular basis. Bill Emhoff is one of them. He is a seasoned professional, an excellent resource, and I would highly recommend him to anyone in need of his services”.
- Leo McHale, Rodeo Realty, Westlake Village
"The rate was so good that about twenty loan brokers who had called me after I had locked the rate all implied in one way or another that I would never get the pricing I was quoted. However Bill did an excellent job of guiding me through the process and funding the quoted loan. I heartily recommend Bill's professionalism.”
- Alan German
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