Renee Morgan - Your Expert in Home Lending.

Hello.  My name is Renee Morgan and I want to be “your only mortgage manager”.

I have been a mortgage consultant for nearly twenty years.  From the very beginning, I have based my business on providing the role of trusted advisor to all my clients.  I understand that placing a particular mortgage must both satisfy my clients’ immediate financing needs as well as align with their long-term financial goals.  The management of one’s debt is every bit as crucial to the development of long-term wealth as the management of one’s assets.  For this reason, my initial consultation with you will necessarily include discussion of your overall goals and dreams, as well as your immediate needs. 

I know that my financial needs have changed enormously over time—from my real estate purchases, to providing for my twin daughter’s education, to preparing for my eventual retirement.  I’m sure yours will change, as well.  My goal is to provide a level of service that will allow me to work with you to ensure that your future goals are achieved to the ultimate degree. 

I pride myself on my communication and organizational skills.  My team, which I have developed over time, shares my commitment to my clients.  Together, we will ensure that you are kept up to date through each step of the transaction.  Additionally, in unison with your realtor, we will work as your advocate to ensure that you are afforded the utmost level of representation during the all-important negotiation phase.  

I’m sure you will appreciate my attention to detail.  I have found, through the years, that attention to the smallest details can sometimes be the difference between a good and a great experience.

I look forward to helping you with your current needs, as well as helping you establish a blue print for your future success.

Click here to --->  APPLY NOW  (don't worry about entering in your liabilities - I will run a credit report upon receipt of your application with your permission)

Some Useful Real Estate Links:

Town of Los Gatos

City of San José

Silicon Valley information

The California Department of Real Estate

The Loan Process

The Escrow Process

The 1031 Exchange

Some Useful Personal Finance Links:

Credit Repair Information

Withholding Calculator

Tax Information for Individuals

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Mortgage Market Commentary

The Bond Ticker

History of 30-year Fixed Rate Mortgages

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School Data

California Department of Education

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Some Useful Links for First Time Homebuyers:

Santa Clara County Housing Trust-Assistant Programs

City of San Jose Teacher Homebuyer Program

Mortgage Credit Certificate (MCC)

CalHFA