My name is Steven Hook, your financial concierge.
I want to thank you for taking the time to visit my website, where I guarantee you’ll find plenty of helpful information to assist you in financing a current or future piece of real estate. In addition, I offer a free consultation to ensure it is the RIGHT amount of financing for what you are trying to accomplish in the long run.
This is called Mortgage Planning. Integrating the loan you choose into your overall financial plan to increase cash flow, lower tax liabilities and accomplish any other long term financial goals.
The example I like to use is visiting your favorite home improvement store to shop for the best priced hammer out there. The reality is that you need a mallet to solve the problem. The hammer you eventually use could damage your project or worse. In an ideal world, the store employee asks you enough questions about your project to steer you clear of hammers, save you some money as well, and recommend a mallet instead.
My Mortgage Advising business serves the entire state of California, but primarily San Francisco and the immediate Bay Area.
My philosophy:
I believe the role as your Financial Concierge is to guide every client through the complete mortgage process, taking the time to make sure they understand every step of the loan process.
Committed to ongoing training:
A wide variety of continuing training helps me deliver high quality services to my customers and clients. I have created several very short videos to accompany ongoing emails I send you throughout the process to smooth out the process.
Dedicated to your needs:
I am available seven days a week (either by phone, email or face tp face) and often stay late for after hours loan appointments Monday through Thursday. My feeling is that these extended appointment times are needed since most of my clients need to work during the day. I feel this is necessary to get the job done because mortgage transactions don’t stick to regular business hours.
If you’re planning to buy your next home, your first home, that dream home, a condo, coop, vacation home, investment property or looking to refinance in California, you will find that this site is a complete resource full of insider secrets that will allow you to choose the loan program best suited to your financial needs.
I make it as fast and easy as possible for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the loan you need for the home you want.
Today’s loan application process, however, is not like a trip to Disneyland as it was several years ago. There is a lot of documentation or more commonly known as paperwork that we require during the loan process. Please click on the attached file below to read the FORBES article regarding The Perfect Loan File and why there are so many more loan documentation requirements.
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Please make sure you register to receive my Free Home buying Guide, read about a special home loan with rates as low as 0% browse my Top 100+ Mistakes By HomeOwners section, fill-out a FREE No-Obligation Secure Online Loan Application, this may require an extra mouse click when you look at the upper right hand side of the new page that opens up.
Please feel free to contact me below to get the initial loan application package. It includes the credit report order form, loan document checklist and loan application instructions.
Please call me in my San Francisco, California office at 415-869-6131 or on my cell phone at 415-260-9376. I am here to help you with all your mortgage needs.