Send Us Your Offer
Already have an offer? Send it to us. We aim to beat it, and if we can't, we'll tell you.
Oakstone Capital Mortgage works with multiple lenders. Many of our clients come to us with an offer in hand. Here is how it works.
How it works
- Send us your current offer. Send your lender's written quote or offer papers. Call 949-800-8519, or use our Secure Doc Upload. Please do not send your Social Security number, bank account numbers or passwords by email or text.
- Tell us a few basics. We ask for your loan amount, your home value, your credit range and when you want to lock. We need these to compare like with like.
- We compare it line by line. We aim to beat your offer. We look at the rate, the points, the lender fees, the APR, the cash to close and the monthly payment. We also check the loan term, the loan type and the lock period.
- We show you our pricing up front. You see our rate, points, fees, APR and cash to close in writing, in plain words. We explain each line. If we can beat your offer, you see how. If we can't, we'll tell you.
- You decide. Take your time. If your current offer is the better deal, we'll say so.
What helps us compare
- The pages of your written quote or offer
- The loan type and term you were offered
- Your lock date and lock period
- Any lender credits or points in the offer
Is this a loan approval?
No. Your final terms depend on your credit, your property, your loan type, and the market on the day you lock. All loans are subject to credit and underwriting approval.
Ready?
Call us at 949-800-8519 or start with the Quick Loan Application.
Visit us: 18200 Von Karman, Ste 260, Irvine, CA 92612.
Learn more: Licensing information
Oakstone Capital Mortgage NMLS #2585868
Steven Arroyo NMLS #1576672
California Financing Law license number: #60DBO-194582
Loans made or arranged pursuant to a California Financing Law license.
Equal Housing Opportunity
