The company is built on the following principles:

• The borrower has the right to know all pertinent facts regarding thier mortgage choice.
  
• The borrower is entitled to a range of choices that best fit their individual needs.
  
• The final choice should be made by the borrower.
  
• Successful accomplishment of the Corporate mission can only be achieved by offering the highest level of service, professionalism, knowledge, financing alternatives and the most competitive pricing in the market.
  
  

Morfacts Mortgage Center, formed in April of 1989, operates under a license granted to it by the California Department of Real Estate to act as a full service mortgage/banker broker.

Borrowers who use the Morfacts service receive the benefits:

Choices

Morfacts Mortgage Center originates and funds mortgages in its own name.

By "banking" the loan, the company maintains control of the entire process. This ensures the borrower of not only the most competitive loan terms, but also a timely and stressfree closing.

In those instances where it is more benificial to broker the loan, Morfacts' is approved with over 100 lenders ensures the borrowers best interests are met.

While specializing in residential 1-4 unit financing, Morfacts does have vast experience in commercial and apartment lending.

Professionalism

The backbone to Morfacts is its people. Only the most professional, ethical and knowledgeable individuals are chosen to work with Morfacts.  And, in a rapidly changing finance environment,  all Morfacts personnel are required to participate in continuing education to keep them current on changes in the origination, underwriting and processing of the mortgage loan.

Morfacts is an active member of all of California's professional mortgage organizations including the San Diego Association of Mortgage Brokers,  The California Association of Mortgage Brokers and the San Diego Association of Realtors.

Communication

Before the borrower can make an informed decision, they must first be informed. An essential element of the Morfacts service is to provide the borrower with all of the relevant information they need when choosing a mortgage program. From the initial disclosures through continual updates during the mortgage process to provide updates on the new opportunities after the mortgage has closed, Morfacts believes in communication

Pricing

Of utmost importance to the borrower is to know they are getting the best mortgage for their needs at the most competitive price. By working with over 100 mortgage lenders, Morfacts shops the market on a daily basis to find the most affordable price and terms available.

Service

The most important aspect of the mortgage process is the preparation of the mortgage package for the ultimate credit decision. Morfacts has invested substantial time, energy and money to insure that this aspect of the process proceeds in a timely, accurate and convenient manner.

The loan processing/closing department of the company is fully computerized and it's people are highly trained. While it is the job of the loan officer to explain the mortgage alternatives to the borrower, it is th job of the loan processor to prepare the paperwork and package the loan in such a manner to ensure a quick close.

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