Hi, my name is Christopher Mulder.  I started my career in the lending business right after I graduated from St. Louis University, in St. Louis, MO.  There I earned a bachelors degree in economics with a minor in accounting.  Upon graduating, I moved back home to the Inland Empire.  Once I was home I enrolled in the American School of Mortgage Banking out of Irvine, CA.  I immediatly began working for American Home Mortgage, a large direct lender.  I came to HomeQuest Financial a year later and have been with them ever since. 

I left American Home Mortgage because I realized early on that the business model of a direct lender can not compete with that of a brokerage.  We operate in a very competitive world.  Direct lenders can't compete effectively with brokers all the time because they only have their product.  If their particular program has a particular rate, that doesn't mean that they have the best rate.  Remember, all money is the same regardless of the bank it comes from, what changes is the price (interest rate).  Bank of America or American Home Mortgage may have 1 product that has a phenomanal rate but if you don't quite fit in that box then the rate changes higher than what the next bank has.  Because HomeQuest Financial works with over 70 different lenders, we can put you in touch with the bank that specializes in loan programs that fit your situation.  That ultimately means you'll get the best interest rate for your situation...and remember all situations are different.  Which is why a 1 size fits all large direct lender can not be competitive in today's market place on all scenarios.

100% Purchase Financing
100% Refinance Financing
Minimum 10% down Vacant Land Financing
Minimum 10% down Investment Property
FHA Approved!

We work with over 70 lenders.  Being a broker has distinct advantages over say a Countrywide or an American Home Mortgage whom are direct lenders.  We have the ability to match you up with a bank that specializes in your situation.  There are banks that specialize in lending to people 1 day our of BK.  Likewise there are banks that specialize in loaning to borrowers with the best FICO scores and there are lenders that specialize in loaning to the investor and developer.  We have the ability to put you in touch with the lender who specializes in loaning to someone like you and because of this, a broker has something that the big direct lender doesn't - options.  We don't just have one rate sheet like a direct lender has.  We have the rate sheets of many many banks allowing us to find which bank has the lowest rate and the best deal for you.  This is the advantage of being a broker. 

We have been in our home for 13 years, and our credit history has had several negative reports. We have had several obstacles to adapt to including employers not reimbursing us in a timely fashion to pay our mortgage, heart attack resulting in inability to work for several months, use of credit cards to survive, advice to file bankruptcy from an attorney, attempts at several re-financing of our home that were failures, judgements and charge-offs due to the priority of food, utilities and mortgage payments being first.

We have been struggling and dealing with a hugh burden financially thinking that our home's equity was untouchable. We again had faith and felt that we needed to try again to re-finance, so not willing to subject ourselves to embarrassment, we initiated the search on the Internet via NexTag.com. The calls started rolling in - and the wave of embarrassment began. We're both busy people with limited time and the calls were coming to the home, our cell phones and over the internet. Our anxiety and the negative thoughts that it wasn't going to happen rose. One Sunday morning - we were at the car wash, one of the potential consultants had just been really pushy with Linda on her cell phone. While paying for the car wash, Linda picked up one of Christopher's business card and brought it home. She e-mailed him and expressed her frustration and anxiety and asked if there was anything he could do to help. He responded that evening with a very polite and non-judgemental e-mail. A phone call followed to discuss further the potential of obtaining a loan. Christopher's professionalism and "can do - will do" attitude was very refreshing. Christopher explained everything step by step, e-mailed additional information and then met with us to start the process. We both work rather crazy schedules, however, this didn't stop Christopher. We also expressed our wishes to deal with a local Consultant here in Riverside, which didn't stop the companies from Orange County, Texas, and where ever, the deals kept coming through our internet search and over the phone. Our loan was secured by Christopher and closed in such rapid fashion and we never felt at anytime that he was judging us in a negative - degrading manner. Without Christopher, his tenacity and belief that our circumstances were not developed in malice, we would not currently feel that a hugh financial burden has been lifted and we can finally breath. Thank you seems to be insufficient.

Milo and Linda Rivera