Blake has been been originating loans since 2005, is licensed by the CA Department of Real Estate to provide mortgage loan services, and is endorsed by the Nationwide Mortgage Licensing System (NMLS) to originate loans in California. All loan officers in America must have a NMLS ID number to legally originate loans. Before working with any loan officer, always ask for his or her number. To determine if a loan officer is NMLS endorsed go to www.nmlsconsumeraccess.com, enter either the loan officer's NMLS ID number or name, and follow the prompts. Do not conduct business with anyone who isn't NMLS endorsed because your loan could very well not close.

To get valuable information about mortgage related topics, read Blake's blogposts. If you have credit issues and need assistance fixing them, contact Blake. He has many years of experience helping his clients improve their FICO scores 25 to 100 points in short time periods, and charges nothing for this service. By doing this successfully, interest rates and loan costs can be lowered significantly. To reach Blake by email send to blake@divitahome.com.

When it comes to getting a mortgage loan, borrowers are often unsure about whether to go directly to banks, or work with mortgage brokers.  On the surface, it would seem that doing business with banks is the wisest decision to make because they have the money, and, consequently; will offer the best interest rates at the lowest loan costs.