Carpe Diem Mortgage has identified a way to deliver LOW mortgage rates. The way we do this is by operating solely as a mortgage BROKER, which enables us to shop interest rates with our wholesale lending partners. By operating as a broker with NO employees, our overhead is sure to be much lower than lenders who may require large employee staff, warehouse lines, expensive marketing tools, high insurance costs, etc. These lenders thus require higher margins to cover these expenses, so borrowers may be subject to higher rates.
With over 20 years of experience working as a mortgage banker AND a mortgage broker, Carpe Diem Mortgage is sure to provide industry leading efficiency and knowledge. This is more important than people realize, as it will relieve the unnecessary stress and confusion when it is time to purchase or refinance.
We only partner with wholesale lenders that guarantee the most competitive pricing and the most efficient service, so you can entrust in us to close at a low rate and on time!