List of Upfront Mortgage Brokers

IMPORTANT NOTICE:  BEFORE CONTACTING BROKERS LISTED BELOW, READ  "HOW TO DEAL WITH A UMB" Upfront Mortgage Brokers as of December 10, 2005    Jeremy Aaronson TMG Finance Office location: California Other state licenses: New Mexico and Arizona Fee: Negotiated on a case-by-case basis www.tmgfinance.net Eric J. Allee Vanguard Funding Corp. Office location: California Fee: Negotiated on a case-by-case basis www.loancalif.com Faruk Ali 1st 2nd Mortgage Co. of NJ, Inc. Office Location: New Jersey Fee: 1.5% http://www.WholesaleRate.net David Albert Spartan Home Mortgage Office location: Michigan Fee: Negotiated on a case-by-case basis www.upfrontmortgagebroker.org.  Elise Altergott Associate Mortgage Office location: Florida Fee: Negotiated on a case-by-case basis http://www.web-mtg.com Joshua Ardoin Mortgage Saver Office locations: Connecticut, Michigan, New Jersey, New York Other state licenses: AZ, CA, CO, FL, GA, IL, MD, NC, OH, PA, VA Fee: Negotiated on a case-by-case basis  www.mortgagesaver.org Robert D. Ashby Solid Rock Mortgage Corp. Office location: Florida Fee: Negotiated on a case-by-case basis www.solidrockmortgage.com Seth Asher The Mortgage Magnate Office locations: California, Georgia, Virginia Other state licenses: AL, AK, AS, AZ, AR, CA, CO, CT, DE, DC, FM, FL, GA, GA, GU, HI, IL, IN, IA, KS, KY, LA, ME, MH, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, MP, OH, OK, OR, PW, PA, PR, RI, SC, SD, TN, TX, UT, VT, VI, VA, WA, WV, WI, WY Fee: Negotiated on a case-by-case basis http://www.themortgagemagnate.com/ Marco A. Baljeu Compass Lending Corporation Office locations California, Florida, Nevada Other state licenses: AL, AK, AZ, AR, CO, CT, DE, HI, ID, IN, KY, LA, ME, MA, MS, MO, NE, NH, NJ, NM, OH, OK, OR, PA, SC, TN, TX, UT, VA, WI, WY Fee: Negotiated on a case-by-case basis www.compasslendingcorp.com Robert Barthell Homepride Mortgage Group LLC Office location: Wisconsin Fee: Negotiated on a case-by-case basis www.hp-mg.com Joe Bartolotta Fidelity Mortgage Services Inc. Office location: Florida Fee: Negotiated on a case-by-case basis www.joebartolotta.com Bill Behrens Xpress Mortgage Processing Inc. Office location: Ohio Fee: Negotiated on a case-by-case basis www.xpressmortgagepro.com Richard Bonomo BRT Financial, Inc. Office location: Florida Fee: Negotiated on a case-by-case basis www.efloridarates.com Chris & Helen Bradshaw Informed Mortgage, Inc. Office location: Georgia Other state licenses: Colorado, Indiana, South Dakota Fee: Negotiated on a case-by-case basis www.informedmortgage.com Jeanie Budge E-MoneySolutions Office location: Utah Other state licenses: All but Rhode Island, Vermont, W. Virginia, DC, Minnesota, N. Dakota Fee: Negotiated on a case-by-case basis www.e-moneysolutions.com Larry Burke Advanced Mortgage Concepts Office locations: Georgia, Tennessee Fee: Negotiated on a case-by-case basis http://www.advancedmortgageconcepts.com/ Skip Bush Diamond Mortgage, Inc. Office location: Washington Fee: Negotiated on a case-by-case basis www.nwmortgageplanner.com Carlyle Funding - D/FW Bob Chaplin, Bill Burrow, and Keith Krop, CFP Office location: Texas Fee: Negotiated on a case-by-case basis www.carlylefunding.com Keith Carothers AZ Mortgage Dr. Office location: Arizona Fee: Negotiated on a case-by-case basis www.azmortgagedr.com Maureen "MO" Cattaneo UpFrontMo Office location: California Fee: Negotiated on a case-by-case basis  www.upfrontmo.com Melissa Chatterton Charter House Mortgage Office locations: California, Nevada Fee: Negotiated on a case-by-case basis http://www.eastbaymortgagecenter.com Andy Chau CL Funding Group Office location: California Other state licenses: Colorado Fee: Negotiated on a case by case basis www.chauhomeloans.com Philip J. Cherry Majestic Mortgage Services Office locations: Oregon, Washington Other state licenses: California, Nevada Fee: 1% + $440 http://www.majesticmortgage.com Allen Cobb MyLoan-Advisors Office location: Massachusetts Other state licenses: AL, AK, AZ, CA, CO, CT, DE, FL, HI, ID, IN, KY, LA, ME, MS, MO, NE, NV, NH, NJ, NM, OH, OK, OR, PA, SC, TN, TX, UT, VA, WI, WY Fee: Negotiated on a case-by-case basis www.myloan-advisors.com Steve Cohn Golden State Home Loans Office location: California Fee: Negotiated on a case-by-case basis www.gshl.net Jay Cooke Bankers Mortgage Office location: California Fee: See http://www.flatfeeloanbroker.com/feesched.htm http://www.flatfeeloanbroker.com/feesched.htm Wade Conway The Upfront Mortgage Pro Office location: Tennessee Other state licenses: AK, AZ, CO, IN, IA, MI, MN, MO, NE, NH, NM, ND, SD, TX, WA, and WY Fee: Negotiated on a case-by-case basis http://www.floridasecondhomes.com/index.htm Catherine Coy Emerald Pacific Financial Office location: California Fee: Negotiated on a case-by-case basis www.loanshoppingexpert.homestead.com James W. Critzer Nations Lending Corp Office location: Ohio Other state licenses: CO, CT, Fl,  MD, MN, SD Fee: Negotiated on a case-by-case basis www.nlccorp.net Sid Dangwal Community Residential Mortgage Office location: Minnesota Fee: $1900 www.flatfeebroker.org John Cuneo Premier Mortgage Funding Office location: Michigan Fee: Negotiated on a case-by-case basis www.nosurpriseclosings.com David J. Dillon MortgageMaster , Inc.  Office locations:  CT, IL, MA, PA  Other state licenses:  AK, CO, DE, DC, FL, GA, IN, IA, ME, MD, MI, MO, MT, NC, NE, NH, NJ, NY, NV, RI, SC, SD, TN, VA, VT,  WA,  WI,  WY  Fee: Negotiated on a case-by-case basis http://www.mortgagesinmass.com James Doerr Liberte Financial Mortgage Office location: Florida Other state licenses: California, Colorado, Connecticut, Texas, Washington Fee: 1% of the loan amount www.cosi101.com Michael Dolan Choice Equities, Inc. Office location: Oregon, Washington Fee: Negotiated on a case-by-case basis  http://www.dolan2000.com/loans Phillip Downes GSF Mortgage Corporation Office locations:  Ill., Ind., Md., Minn., Wisconsin Other state licenses: Col., Del., Fla., Iowa, Kansas, Ky., Mont., Missouri, Neb., Ohio, Penn., S. Car., S. Dakota, Utah, Virginia, Wyoming Fee: Negotiated on a case-by-case basis WWW.Downes-GSF.COM Tony Ferlazzo Lightning Mortgage Office location: California Other state licenses : All except D.C., Illinois, Iowa, Kansas, Maryland, Michigan, Minnesota, Montana, N. Carolina, N. Dakota, NY, S. Dakota, Rhode Island, Vermont, W. Virginia Fee: Negotiated on a case-by-case basis www.lightning-mortgage.com Ron Finn Federated Home Mortgage Office locations: Florida and Georgia Fee: Negotiated on a case-by-case basis http://www.floridamortgagestore,com Jonathan Folland Clarion Mortgage Office location: Florida  Fee: Negotiated on a case-by-case basis http://www.UpfrontFinance.com John Foss Office location: Florida  Fee: Negotiated on a case-by-case basis www.johnfoss.com Philip Frazer, GoCalMortgage Office location: California Fee: Negotiated on a case-by-case basis http://www.gocalmortgage.com Gene Frost Fixed Fee Mortgage Office location: Tennessee Fee: Less than $ 140,000, $1000; $140,001-$220,000, $1900;         $220,001-$333,700, $2200; jumbo and all sub-prime, $2400 www.fixedfeemortgage.com Fred Glick US Loans Mortgage LLC Office locations: Pennsylvania, California Other state licenses: Arkansas, Colorado, Florida, Maryland, Massachusetts,  Michigan, Minnesota, New Hampshire,Virginia Fee: Negotiated on a case-by-case basis www.usloans.com Rosalie Gottfried Rosalie Gottfried, Broker Office location: California Fee: Negotiated on a case-by-case basis, but never more than $2700 http://www.aaffordable.com/Gottfried.html RM Gray MortgageApprovalPlan.com Office location: Florida Fee: Negotiated on a case-by-case basis www.MortgageApprovalPlan.com Dan Green Empire Equity Group, Inc. Office location: New Jersey Fee: Negotiated on a case-by-case basis www.empireequity.com/dangreen/govstreamline.htm Rich Greer Golden Horizon Mortgage Office location: Florida Fee: Negotiated on a case-by-case basis www.goldenhorizon.net Jeffrey Harp Harp Financial Mortgage Company Office location: California Fee: Negotiated on a case-by-case basis, but never more than 1% http://www.harpfinancial.com/ Steve Heideman United Mortgage Financial Group Office location: Arizona Fee: Negotiated on a case-by-case basis  www.unitedmortgagefinancial.com   David Heine Florida Express Mortgage Company Office location: Florida Fee: Negotiated on a case-by-case basis www.floridaexpressmortgage.com Bruce C. Hirschfeld Montvale Mortgage, LLC Office location: New Jersey Other state licenses: New York Fee: Negotiated on a case-by-case basis www.montvalemortgage.com   William Hobbs The Virtual Loan Officer of Carteret Mortgage Office locations: Virginia, W. Virginia Other state licenses: AK, CO, FL, IN, IA, MN, MO, NE, NH, NM, SD, TX, WA, WY Fee: Negotiated on a case-by-case basis http://www.virtual-loan-officer.com/ Jay Honeycutt Custom Mortgage Services Inc. Office locations: Florida, Georgia Fee: Negotiated on a case-by-case basis http://www.custommortgageonline.com Roy Huddle Buyer's Way Home, L.L.C. Office location: Texas Fee: $1850 www.buyerswayhome.com Rick Hutchison Allied Home Mortgage Capital Corporation Office location: Maryland Other state licenses: Delaware, D.C., Florida, N. J. Pa., Texas, Virginia Fee: Negotiated on a case-by-case basis www.hutchisonmortgage.com Kevin Iverson Reed Mortgage Corporation Office location: Colorado Fee: Negotiated on a case-by-case basis http://www.reedmc.com Jeffrey J. Jaye Union Trust Mortgage Office location: Northern California Fee: Negotiated on a case-by-case basis http://www.utms.com/jjaye Randy Johnson Independence Mortgage Company Office location: California Fee: Negotiated on a case-by-case basis http://www.loan-wolf.com/ Stephen T. Johnson Austin Mortgage Group Office location: Texas Fee: Negotiated on a case-by-case basis http://www.austin-mortgage-connection.com Richard Kahn Whale Mortgage Office location: Florida Fee: Negotiated on a case-by-case basis www.whalemortgage.com Barbara Klenovich Barb Klenovich CFP Office location: Colorado Fee: Negotiated on a case-by-case basis http://www.plan4success.net/ Joe Khoei Pacific Bay Financial Corporation Office location: California Fee: Negotiated on a case-by-case basis http://www.jkloans.com Harry Krause Ohio Mortgage Company Office location: Ohio Fee: Negotiated on a case-by-case basis http://www.allcreditmortgage.net Aaron Layman AaronLayman.com Office location: Texas Fee: Negotiated on a case-by-case basis www.aaronlayman.com Thomas LaPlante Unified Financial Services Group, Inc. Office location: Colorado Fee: Negotiated on a case-by-case basis, minimum $595 www.Unifiedfinancial.com Anna Lazar Allied Financial, LLC Office locations: New Jersey, New York  Fee: Negotiated on a case-by-case basis www.alliedfinancial.biz Emily LeBow-Mandel Windsor Capital Mortgage Office location: Florida Fee: Negotiated on a case-by-case basis www.emilylebow.com Wolf Leonard Uneta Inc. Office location: Florida, US Virgin Islands Fee: 2%, maximum of $3500 http://www.loan-wolf.net Avi Lidgi BeatTheBrokers.Net Office location: California Fee: $1995, but no charge for appraisal www.beatthebrokers.net Danny Lidgi BeTheBroker.Net Office location: California Fee: $1995, but no charge for appraisal http://www.betterchoicehomefinance.com/ Robert Lindsey Easy Loan Approval Office locations:  Colorado, Florida Other state licenses: California, Hawaii, Kentucky, Missouri, Mississippi, Montana, Oklahoma, Oregon, Pennsylvania, Tennessee, Washington Fee: Negotiated on a case-by-case basis www.Easyloanapproval.com   Bob Livingston Sapient Financial Services Corporation Office location:  Colorado Fees: Stand-alone 2nd mortgages, $450; loans under $125,000, $750; loans of $125,000-$359,650, $950; simultaneous close 1st & 2nd mortgage, $1250; loans over $359,650, $1450; construction loans, $1950. www.fixedfeemortgagebroker.com www.sapientfinancial.com Paul Marshall Diablo Funding Group Office location: California Other state licenses: Arizona, Colorado, New Mexico, Nevada Fee: Negotiated on a case-by-case basis www.careloans.com Anton W. Mattli Peak Mortgage Group Office location: Texas Fee: Negotiated on a case-by-case basis www.peakmortgagegroup.com  Sean McClay Alequity Mortgage Company Office location: Alabama Fee: $700 to $2,000 www.alequity.com Mike McClung San Juan Funding Office location: California Fee: Negotiated on a case-by-case basis www.SanJuanFunding.com Scott McDonald New England Merchants Corp. Office location: N. Hampshire Other state licenses: Connecticut, Florida, Massachusetts, Maine Fee: Negotiated on a case-by-case basis www.mortgageguy.biz Bob Mead Buckeye Mortgage Company of West Virginia Office location: West Virginia Fee: Negotiated on a case-by-case basis www.buckeyemortgage.net   Alex Medvec Muirfield Financial Group, Inc. Office Location: Ohio Fee: Negotiated on a case-by-case basis www.primeratesonmortgages.com Dan Melson Searchlight Crusade Office Location: California Fee: Negotiated on a case-by-case basis http://www.searchlightcrusade.net/ Mike Mengel Upfront-broker.com Office location: Minnesota Other state licenses: AK, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, NE, NH, NM, NC, ND, OK, OR, RI, SD, TN, TX, UT, VT, VA, WA, WI, WY Fee: Negotiated on a case-by-case basis www.upfront-broker.com Joe Metzler The Joe Metzler Group Office locations: Minnesota, Florida Other state license: Wisconsin Fee: Negotiated on a case-by-case basis www.joemetzler.com Rob Michailoff LoanLynk Mortgage Office location: California Other state licenses: Hawaii Fee: Negotiated on a case-by-case basis, but never more than  $1200 www.LoanLynk.com Robert D. Milligan Canyon Crest Mortgage Office location: California Fee: Negotiated on a case-by-case basis http://www.canyoncresthome.com John Moran Great Western Financial Group Office location: Arizona Fee: Negotiated on a case-by-case basis www.azmortgagepro.com Victoria Mudge Venture Star Mortgage Office location: California Fee: Negotiated on a case-by-case basis www.victoriamudge.com Greg Mullen Jumbo Mortgage Solutions Office location: Virginia Other state licenses: CA, CO, CT, DC, DE, FL, GA, ME, MD, MA, MI, SC Fee: Negotiated on a case-by-case basis www.jumbomortgagesolutions.com Jefferson Otwell Office location: Georgia Other state licenses: Alaska, Colorado, Florida Fee: Negotiated on a case-by-case basis www.jeffersonotwell.com Stephen Parnell LynxBanc.com Office location: Florida Fee: Negotiated on a case-by-case basis http://www.lynxbanc.com/ Eric Patterson Mortgage Max Inc. Office location: Colorado Other state licenses: Florida Fee: Negotiated on a case-by-case basis www.boulderlending.com Rick Pelleriti Rick Pelleriti, Upfront Mortgage Planner Office location: California Fee: Negotiated on a case-by-case basis www.calmortgageplanning.com Jeremy Pennington HomeAide Office location: Georgia Fee: Negotiated on a case-by-case basis www.homeaide.biz John D. Peterson GLPW Group, Inc. Office location: California Fee: See http://www.glpwgroup.com/referenc/lending.asp#fees http://www.glpwgroup.com/ Rob Piancone City Premium Financial, Inc. Office location: California Fee: Negotiated on a case-by-case basis www.citypremiumfinancial.com Dennis J. Pike Carrington Mortgage Services Office location: California Fee: Negotiated on a case-by-case basis http://client.aavirtualoffice.com/AgentRoster/AgentInfo.asp?AgentID=18153 Richard D. Pyle Optimal Financing Office location: Florida Fee: Negotiated on a case-by-case basis www.optimalfinancing.com Jeff Rafuse MTM Mortgage Office Location: Washington Fee: Negotiated on a case by case basis www.seattlemortgageman.net Joseph A. Rajchel The Good Faith Lender! Office Location: Wisconsin Other state licenses: All except Hawaii and W. Virginia Fee: Negotiated on a case-by-case basis www.goodfaithlender.com Hem Ramachandran Hem Knows Homes Office location: Texas Fee: Negotiated on a case-by-case basis www.hemknowshomes.com   Joe Ravenelle Allied Home Mortgage Capital Office location: New Jersey Fee: Negotiated on a case-by-case basis http://www.allied.web-loans.com Aaron Riley The Pennsylvania Mortgage Store Office Location: Pennsylvania Fee: Negotiated on a case by case basis http://www.pamortgagestore.com Josh Rogers Office location: North Carolina Fee: Negotiated on a case-by-case basis www.greenvillencmortgage.com  Don Romano Shelter Rock Mortgage Corporation Office location: New York Fee: 1% + $175 http://www.shelter-rock.com Alex Rydel (CCC) Manitou Mortgage, Inc. Office location: Florida Other state license: Connecticut Fee: 1% on all transactions www.GetTheRightMortgage.com Eric Ross Pacific Properties and Finance Office location: California Fee: Negotiated on a case-by-case basis http://www.pacificpropertiesandfinance.com John Sallah Madison Mortgages Office location: Virginia Fee: Negotiated on a case by case basis www.madison-mortgages.com Michael Sanborn Saint Lawrence Mortgage Office location: Washington Other state licenses: Alaska and Colorado Fee: $1500 www.saintlawrencemortgage.com Mike Santulli Arrowcrest Mortgage Office location: Syracuse, NY Fee: Negotiated on a case-by-case basis http://www.syracuse.com/sites/arrowcrest/ Don Semler MetMortgage (Advantage Investors Mortgage) Office locations: Kentucky, Ohio Other state license: Indiana Fee: Negotiated on a case-by-case basis http://www.metloan.net LeAnn Scrimpshire Arizona Wholesale Mortgage Office location: Arizona Other state licenses: Colorado, Iowa, New Mexico,  Utah, Wyoming Fee: Negotiated on a case-by-case basis www.arizonawholesalemortgage.com Jennifer Simmons JennifersFinancing.Com Office location: Southern California Other State Licenses: All states except NY, GA Fees: Negotiated on a case by case basis. http://www.jennifersfinancing.com/default.html  Jeff Skeith SanDiegoJeff.com Office location: California Fee: Negotiated on a case-by-case basis www.sandiegojeff.com Linda Smith Cameo Mortgage Planners Office location: Texas Fee: Negotiated on a case-by-case basis www.cameomortgageplanners.com Eric J. Sunquist Golden Horizon Mortgage Inc. Office location: California Fee: Negotiated on a case-by-case basis http://www.ejsmortgage.com/ Michael Tacconi Triton Financial Office location: Northern California Fee: Negotiated on a case-by-case basis http://www.up-front-mortgage-broker.com Mike Thomas & Cheryl Bestler Par Rate Home Loans Office location: Nevada Fee: Negotiated on a case-by-case basis http://www.parratehomeloans.com Patrick Toomey TNT Mortgage Office location: South Carolina Fee: Negotiated on a case-by-case basis http://www.tnt-mortgage.com/ Alex Toth Sunrise Mortgage Company Office location: Michigan Broker Fee: negotiated on a case by case basis www.michiganloanofficer.com   Will Tygart America One Finance Office location: Washington Other state licenses: All other states except NY Fee: Negotiated on a case-by-case basis www.HonestMortgage.net Joanne M. Tucker Clarion Mortgage Office location: Texas Fee: Negotiated on a case-by-case basis http://www.tnthomeloans.com Chad Turner Syndicate Financial Office location: Colorado Fee: $1,000 on loans up to $333,700; $1500 on larger loans  http://www.syndicatefinancial.com/default.htm Tony Webb Capital Mortgage Office location: Florida Other state licenses: all except RI and Vt Fee: Negotiated on a case-by-case basis www.cmpmortgage.com Stephen Wheeler SB Real Estate Loans Office location: California Fee: Negotiated on a case-by-case basis http://www.sbrealestateloans.com Deron J White D. White & Co. LLC Office location: Colorado Fee: $2,000 to $ 3600, negotiated case-by-case  www.flatfee-mortgage.com L. Knox Wimberly Norstar Mortgage Group Office location: Florida Other state licenses: AL, AK, CT, GA, IN, KY, LA, MS, MO, NC, SC, TN, TX Fee: Negotiated on a case-by-case basis   http://upfrontloan.com   Bob Windom Windom Mortgage Services Office location: Florida Fee: Negotiated on a case-by-case basis http://www.mortgagesbywindom.com Marcy Wolf Action Mortgage, LLC Office location: Texas Other state licenses: Colorado Fee: Negotiated on a case-by-case basis www.amtexas.com Victor Yang Bell Plaza Inc. Office location: California Fee: 3/4% or $1500, whichever is more http://www.bellplaza.com/ Sara Zander Sara Zander Loans Office location: California Other state licenses: Arizona, Hawaii Fee: Negotiated on a case-by-case basis www.SaraZanderLoans.com The Agent Owned Realty Company Six loan counselors Office location: South Carolina Fee: Up to $150,000, 2% + $150, minimum $1650         Above $150,000, 1% + $150 http://www.agentowned.com Centerpoint Financial Inc. 5 loan counselors Office location: California Other state licenses: Colorado, Oregon, Utah, Washington Fee: Negotiated on a case-by-case basis http://www.cfloans.com/ The Greater Mortgage Corporation 10 loan counselors Office locations: NY, Connecticut, Florida Fee: Negotiated on a case-by-case basis www.greatermortgage.com Loan Star Inc. 3 loan counselors Office location: Indiana  Other state licenses: Florida, Michigan Fee: Negotiated on a case-by-case basis www.loanstarinc.com Net Central Mortgage, LLC 5 loan counselors Office location: Wisconsin Fee: Negotiated on a case-by-case basis www.netcentralmortgage.com Texas Mortgage Brokers Connection 18 Loan Counselors Office location: Texas Fee: Negotiated on a case-by-case basis www.texas-mortgage-brokers.com Vestira, Inc. 3 loan counselors Office location: California Other state licenses: Alaska, Colorado, N. Mexico Fee: Negotiated on a case-by-case basis www.vestiracapital.com If you don't find a UMB in your state, you can convert a conventional broker into a UMB for your deal.  Copy the Commitment of an Upfront Mortgage Broker, and ask the brokers you approach if they are willing to do business with you in this way.  If they see that you are serious, the chances are they will agree. Copyright Jack Guttentag 2005

Jack Guttentag is Professor of Finance Emeritus at the Wharton School of the University of Pennsylvania. Visit the Mortgage Professor's web site for more answers to commonly asked questions.

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