Most people get bad mortgage advice. Here's why.
A bank has exactly one set of loans to sell you: its own. So that is what they sell. Not the best loan for your situation. The best loan for theirs. When the only tool you have is one menu, every customer somehow needs something off that menu.
That is the whole game. The person across the desk is not lying to you. They simply cannot offer what they do not carry. And the thing they do not carry is competition.
A broker flips it. I work with 160+ lenders, and they compete for your loan. That is not a slogan, it is math. One bank gives you one number. 160+ lenders give you the lowest one. The same borrower, the same file, can land a meaningfully different rate depending on who is hungry for that loan this week. I know who is hungry.
More lenders changes the math. It is that simple.
Who I am
I'm Matt Moghaddam. Mortgage broker, content creator, and an automotive guy at heart, based in Southern California. Fifteen-plus years in this industry, long enough to see exactly how it treats people and to decide to do it differently.
I'm licensed in California plus nine additional states, I specialize in the non-QM and investor loans most brokers do not understand, and I put what I know out in the open instead of hiding it behind a desk. NMLS #2635603.
No corporate script. No hedging. Just real advice from someone who has run the numbers thousands of times and will tell you the truth even when the truth is "not yet."
Let's find your loan.
Not a pitch. Not a contract. Just the right number for your situation.
Headshot coming soon.