Mortgage Broker info for home buyers

Home buyers that are considering purchasing a home in Oakland, Piedmont or Berkeley California will inevitably find themselves communicating with a mortgage broker or a retail bank about obtaining a mortgage.  This short video answers some basic questions about the differences between banks and brokers, what are loan points, reasons to use a local institution and information of the pre approval process.  It is not intended to answer every question but as a home buyer I hope it will provide you with a starting point of which to begin building your understanding of the overall home buying and loan process.

http://www.youtube.com/watch?v=junH4g8zTk8

Brian Santilena, Sr. Sales Associate and top real estate agent with Pacific Union Real Estate, representing home buyers and home sellers in the Oakland Hills, Berkeley Hills and Piedmont California marketplace since 1998.  He is a Realtor, Certified Residential Specialist(CRS) and is highly knowledgeable in real estate for sale in the Oakland Hills premier neighborhoods such as Haddon Hill, Rockridge, Montclair, Glenview, Trestle Glen, Crocker Highlands, Oakmore, Laurel District and Redwood Heights.  Berkeley Hills neighborhoods such as Northbrea, Westbrea, North Berkeley Hills, Berkeley Flats, Thousand Oaks, South Berkeley, Gourmet Ghetto, Elmwood, Uplands, Claremont, LeConte.  City of Piedmont, City of Kensington, City of Albany.  Please feel free to CONTACT BRIAN if you have any real estate needs in Oakland, Berkeley or Piedmont CA.