Bio/ Philosophy

ehomeloanexpress.com is supported by a quality team of lending professionals with over 20 Years residential mortgage lending experience. The team leader, JOEL MALONEY is recognized as one of the top residential mortgage originators in California. In his career as a full service mortgage broker, Mr. Maloney has arranged over a Billion dollars in residential loans. His success ratio matching borrower's characteristics with quality product is nearly 100%. As one of his client's put it, "there are mechanics.....and then there are GOOD mechanics. Joel is the best 'loan mechanic' I've ever seen,"While this is a discount service, don't fool yourself, the personalities and abilities behind this web service do matter.

We strongly recommend that borrowers always look at a ZERO POINT loan option with No Prepayment Penalty---before making their final decision on the loan to pursue. Zero point loans for over $200,000 can often be obtained with NO CLOSING COSTS. EHOMELOANEXPRESS.COM is established in such a manner, that if you want, one of the trained mortgage professionals can help you decide if the NO COST or ZERO POINT loan approach is right for you. (For general "Rules of thumb"concerning this and other issues see "the information " section of this site).

Our working philosophy is similar to that of a good retailer. "The customer is ALWAYS right." Our goal is to provide you with exactly what you want. Although you won't get the exact face to face service that borrowers paying full service origination fees get, You will obtain the best guidance and high quality attention to make the right decisions for your next home loan.

Finally, we encourage you to ASK QUESTIONS about anything you do not understand. In the mortgage business, we firmly believe that there are NO DUMB QUESTIONS. One of our trained professionals will get back to you via email, phone, or fax within 24 hours from the time we receive your question. The answer will be comprehensive and "no strings" attached.

THE SERVICE IS HERE FOR YOU!

Good luck in your search for the PERFECT HOME LOAN at the lowest cost.

Joel A. Maloney

Mission Statement

WELCOME TO EHOMELOANEXPRESS.COM THE NUMBER ONE CHOICE IN PREMIUM CALIFORNIA RESIDENTIAL REAL ESTATE FINANCING !

We specialize in Residential Mortgage Loans with in the state of California. ehomeloanexpress.com has been established by one of California's leading independent mortgage lenders. The intent of this site is to provide DISCOUNT FEES AND PREMIUM MORTGAGE INTEREST RATES for today's qualified borrower. ehomeloanexpress.com offers insight and advice rarely found on other sites.

We offer two tiers of service: Tier 1. "Highly Qualified Borrower" Tier 2." Qualified Borrower" To determine what parameter best suites you, answer for yourself the following questions:

1. Have you had a major credit issue in the past 10 years (e.g. Foreclosure, Default, or Bankruptcy)?
2. Are you recently divorced?
3. Have you owned your property for less than one year?
4. Have you changed jobs within the past year?
5. Are you self-employed? Less than two years?

If the answer is YES to any of these questions; you need to move to Tier 2.

The advantages for Tier 1 borrowing status are that your total loan PROCESSING FEES on every program will be reduced to a flat fee of $600, you will be eligible for all available programs. You can do much of the correspondence via email without interference from human loan officers.

TIER 2 borrowers will require full processing. The interest rate options will still be premium although program parameters will need to be adjusted to the borrower's credit profile. PROCESSING FEES will be a flat $935 (still a significant discount over most lenders aggregate fees.)