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Electronic Mortgages, Inc.
d/b/a emortgages.com

35 Fifth Street
Petaluma, CA 94952
Tel. 707-763-6290
Fax. 707-762-9698
www.emortgages.com
CA Dept. of Real Estate, Real Estate Broker license # 01141472

General Information

emortgages.com is a California based mortgage broker company providing high quality loan services with web-based technology solutions at rates and costs that are consistently below the industry average. Our vision is to be the definitive mortgage broker that provides our customers with the highest level of service and the best value in closing costs and interest rates.

emortgages.com is an approved by the California Department of Real Estate. We work with major national banks and regional portfolio lenders including:

• Bank of America
• Interfirst-ABN Amro
• Chase Manhattan
• Countrywide Mortgage
• World Savings
• HSBC Mortgage Corporation
• Wells Fargo Mortgage
• National City
• and many, many more

Our Commitment:

• Provide our customers with the loan program that best meets their needs with the lowest possible closing costs and interest rates.
• Provide personal service.
• Use web-based technology that allows customers to research the loan process, view current interest rates, select specific loan programs, pre-qualify for a loan, view details of estimated closing costs, apply for a loan on-line via our website and track the status of your loan application
• Use information technology to increase the efficiency of back office operations and pass the savings to our customers.

Our Mission Statement is simple: We want to provide high quality loan service with honesty and integrity that consistently exceeds industry standards and customer expectations with rates and fees that are consistently below the industry average. We offer our California customers both web-based technology solutions and local in-person service from Northern and Southern California offices.

Local Branch / Office Locations

ADDRESS	TELEPHONE NO.
35 Fifth Street Petaluma, CA 94952	707-763-6290

FEES RELATED TO EACH LOAN

The following is an example of some fees related to a typical $175,000 purchase loan transaction in the San Francisco area, with this company. This does not include discount points or origination points, if any, nor does it include title insurance, local taxes, prepaid interest payments or prepaid escrow payments for home insurance or real estate taxes. A more complete list, tailored to your specific loan transaction, entitled "Good Faith Estimate" or "Mortgage Loan Disclosure Statement" will be provided to you when you actually apply for a loan.

THIS LIST IS NOT MEANT TO MATCH OR TAKE THE PLACE OF A GOOD FAITH ESTIMATE WHICH IS MORE COMPREHENSIVE AND WILL DISCLOSE THE COMPENSATION BEING RECEIVED BY THE LENDER AND/OR BROKER.

All fees are believed to be accurate, but cannot be guaranteed and are subject to change. Additional fees may be charged depending on your specific loan transaction. These fees will be disclosed to you in writing when you apply for a loan.

Appraisal	350
Credit Report	19
Application
Inspection
Document Prep/Review
Underwriting
Processing	195
Flood Certification	25
Tax Service	68
Notary	125
Settlement/Closing	350
Attorney
Recording	75
Survey
Messenger/Courier
Wire Transfer	30
Administrative	600
Mortgage Broker Fee
Funding and Review
Payment Processing
TOTAL	$1,837

  • Types Of Mortgage Products Offered

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