The Monterey Bay Mortgage Process:

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Complete an easy-to-use online application.

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Consult with one of our licensed Mortgage Advisors to discuss the process and understand your best options.

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Based on your income and asset documentation an Underwriting Pre-Approval is issued. Now you and your Real Estate Agent know your purchasing power and are ready to find a house.

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Once you find the right house, prepare an offer with your Real Estate Agent and Mortgage Advisor. If your offer is accepted you and the seller will sign a contract.

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The home is inspected and appraised to support the value, and your documentation is verified.

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Upon final approval, the title company schedules your signing appointment to close, and your keys are delivered.

Calculators

Monterey Bay Mortgage provides you with the tools you need to make the right borrowing decisions. These calculators will give you a basic idea of how key values are determined throughout the mortgage process. Try to ensure the information you enter is as accurate as possible. Always contact one of our Mortgage Advisors for an accurate quote that is best suited for your specific needs.

Why Monterey Bay Mortgage?

We make it easy for YOU” is the foundation of our business. Since 1999, we have built our business on the continuing satisfaction of our clients. There is no bigger compliment than when a satisfied client refers us to their friends and family. With this in mind, each member of our dynamic team offers our clients exemplary service with a tailored focus.

Learn More

You have questions, we have answers.

At Monterey Bay Mortgage we lend where we live. That means that for us, you’re more than just a borrower, you’re our neighbor. We will help you find the right mortgage solution for your specific needs.