Contact Jim Wilson
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Overall Rating / 95 Total 1st-Party Reviews5.0 Out of
Mortgage Brokers San Francisco Bay Area
Getting you the BEST RATES POSSIBLE
Jim Wilson, Broker / Principal
Preferred Mortgage, Inc.
Lots of companies offer loans, and each company has different loan types. If you go to the bank and ask for a quote they will only show you their products, but not their competitors. The first loan types they show you are also likely to make them the most money. Working with a mortgage broker means you have someone who knows your financial situation, and shops around for the best offers from multiple lending companies. We know what criteria banks are looking for and how to help you qualify for the best possible loans. We only make money by finding you a good deal.
Jim enjoys the challenge of finding the right loan products. He’s been helping people do this since 1999. Whether you’re dreaming of a new home or trying to consolidate existing loans Jim is driven to help you get the most value for your dollar and time. His extensive knowledge, diversity of loans, and personalized service make working with Jim a rewarding experience. Obtaining a loan with Jim’s help is also faster than going the direct lender route. He’s an expert at getting clients pre-approved quickly and closing the loan in an expedient manner.
“There is no other person I want in my corner than Jim Wilson in the loan / real estate business. Very professional and stays in touch during the whole process. Gives 110% and knows his stuff.” – Erick C.
Buying a home is likely the single largest investment you will ever make. There’s a lot involved and having a mortgage professional to walk you through can make it an enjoyable experience. Jim takes time to explain the buying process from beginning to end in a way that’s easy to understand. His goal is to keep things simple, and save you money in the process. The right home loan can save you thousands of dollars in the long run. Based on your finances and goals he’ll find the best loan for you and get you pre-qualified so you can start shopping.
Refinancing is great for many reasons. You can get money out of a property, lower your monthly payment, change the signers on a loan, or change the loan terms to suit you better. Rates are at historical lows and it’s a great time to make a move. Jim and his team can find you the best loans with the best possible rates so you can start saving money. Rates are changing daily so the sooner we can start looking, the more time we have to get you the best refinance rate.
Rates are historically low right now and it’s a great time to shop rates. Here’s a sample of recent market rates. These change daily so ask Jim for today’s best possible rates. He enjoys finding the best deals.
Lots of loans out there. Choosing the best loan depends on your goal. Jim can help you buy a home, lower your monthly payment, get cash out, or switch to a fixed rate mortgage. Jim has the expertise to find you the best loan, at the lowest possible rate, to accomplish your goal. Preferred Mortgage offers nearly every type of mortgage: 1st and 2nd mortgages, conventional, non-conventional, fixed rates, adjustable rates, FHA, VA (Veteran), and even hard money loans. No point and no fee loans are also an option, let me know if you’d prefer this.
Preferred Mortgage has partnered with lending institutions large and small across the country to bring our customers the very best of what’s available. We are able to beat our competitors’ rates and pricing due to our preferred lending status with our partner institutions. That allows us to pass the savings on to you, our customers. We’ve won awards for our excellent rates and service. Our customers say it best with words like “very easy”, “best rate possible”, and “as good as it gets”. Check out our Yelp Page for more reviews.
We’ll let you decide that. As a top mortgage broker serving San Francisco, CA and the Bay Area we shop the top lenders in the industry to offer you a range of options with the best interest rates available. Jim is highly attentive, awarded for his service, and gets great reviews from his clients. Contact Jim about your goals and ask him to help you find the best possible rates. You’ll be glad you did.
Each year Diablo Magazine surveys recent home buyers in the area. Based on the survey results they compile a list of the top mortgage professionals. Jim Wilson has been honored to receive this award for the past 4 years putting him in the top 2% of East Bay Area mortgage professionals.
We get asked lots of questions about mortgages, credit scores, and interest rates. Here’s some of the top mortgage broker questions that come up often for the San Francisco Bay Area. We hope you find them helpful.
Yes. Even if your current mortgage balance is more than your home is worth, you may still be able to refinance and lower your monthly payment.
We’ve helped thousands of homeowners get the home loan assistance they need. We can help you find a program that fits your particular situation and see if you qualify for a refinance, loan modification, or other home loan assistance program.
Refinancing has many benefits, depending on your financial goals. You can refinance to lower your rate, pay off your loan sooner, get cash out of your home to pay for a big purchase (i.e. education or home improvements), or switch from an Adjustable Rate to a Fixed Rate.
The closing costs when refinancing are often similar to when you purchased your home. These costs typically include lender fees and third party fees, such as for an appraisal and title insurance.
Yes, in most cases, you will need an appraisal.
Cash out refinancing is simply borrowing money from the equity in your home based on its value. For example, if your home is valued at $100,000 and your current mortgage balance is $50,000, you could take $20,000 cash out when you refinance, resulting in a new mortgage balance of $70,000.
Even if you have had credit problems, you may be able to refinance.
Pick a time that's best for you.
Jim will call you back.
Jim was so helpful and accommodating. He answered all of our questions in a timely manner and made the process very seamless. We would definitely recommend Jim and Preferred Mortgage to others and look forward to working together in the future.
- Kasey & Adam
DRE. LIC #01229793