East Bay Modern Real Estate is proud to partner with Pinnacle Capital Mortgage, a highly respected and service-oriented mortgage bank with strong, local representation in the East Bay and a wider array of loan products and investor channels than any of the major depository institutions.
Whether your home financing goals involve determining how much you can afford, loan preapproval, a purchase loan or refinance, contact Nicholas Ballard or Caprice Toledo of Pinnacle Capital Mortgage for a free, no-pressure and no-obligation consultation regarding your real estate lending needs.
Call 415-453-6200 or 415-967-7611 for a no-obligation consultation or simply Click Here to get the process started!
About Pinnacle Capital Mortgage
Pinnacle Capital Mortgage Corporation was formed in 2008, in the wake of the housing and financial crisis that saw the unprecedented FDIC closure of several hundred banks. Although viewed by many as counter-intuitive, this initiative allowed Pinnacle to hire the brightest talent, and to start with a clean balance sheet that remains free of the legacy and buy-back issues still haunting many of the nation's largest banks. Pinnacle takes considerable pride in maintaining one of the highest scoring quality and performance portfolios in the industry. Funding over $8 billion in residential loans annually, Pinnacle was acquired as the primary mortgage division of Finance of America Holdings, a Blackstone Portfolio Company, and is now the second largest non-depository lender nationwide.
Your Local Lender: With our Roseville headquarters and funding and underwriting departments in nearby Concord, Pinnacle Capital Mortgage is the largest mortgage bank serving the Bay Area and the premier local lending specialist to serve your needs. We have a clear understanding of the Bay Area's dynamic housing marketplace and our veteran staff is able to sort out complex issues, including non-standard income sources, to provide superior service.
Pinnacle contracts with local vendors for quality appraisals and our streamlined processing and underwriting are geared to help buyers get their offers accepted in today’s challenging “seller’s” market. Whereas most lender’s focus on simpler refinance business, over 70% of our funded loans are for purchases. As purchase specialists, we are able to close loans at greater speed to help clients secure winning purchase bids. We also employ unique strategies such as our Offer Advantage guarantee, which is Pinnacle’s promise to close on time or we will pay sellers $100 per day for delays to the agreed-upon closing date. Our Lightning Lending program allows us to lift all contingencies within 8 days so that you can compete against all-cash offers.
As a mortgage bank, Pinnacle offers a wider array of loan products and investor channels than any of the major depository institutions. Likewise, Pinnacle has fewer "investor overlays" or added guideline requirements, and therefore provides borrowers with greater latitude to work through a variety of loan scenarios. Instead of putting aside hundreds of millions of dollars to deal with bad loan buy-backs and ongoing litigation, Pinnacle has been directing its capital toward aggressive pricing and performance. It offers the full choice of jumbo, FHA, VA, and conventional conforming loan products and also sells loans directly to Fannie Mae, Freddie Mac, and Ginnie Mae.