Main Content

Sign Up Now

Welcome Home | a blog by the Pujals Team

Should You Get an Online Mortgage?

Image of computer keyboard where the "enter" key says "mortgage."It seems that everything is online these days, from online shopping and food delivery to an online mortgage and doctor visit. This begs the question: Is online really better, especially for your mortgage needs?

Chances are you’ve seen numerous ads for an “easier” and “faster” way to get your mortgage. Just press a button and in a few moments you can have a mortgage approval in your hands. This certainly seems great for consumers. However, too often we’ve seen homeowners end up with a mortgage that isn’t the best fit for their needs. That’s why we always recommend you work with an experienced mortgage banker.

Mortgage Banker Versus an Online Mortgage

Mortgage bankers are skilled at helping you make sure you have not just any old mortgage, but the best mortgage for your unique situation. Rather than place you in a one-size-fits-all option, mortgage bankers analyze your situation and look at both your long-term and short-term goals. Armed with this knowledge, they can help you secure the right mortgage that enables you to reach your financial goals. The fact is that no online mortgage site can give you this type of professional advice.

Additionally, mortgage bankers can usually give you superior customer service compared to an online mortgage site. Think about your last customer service call to a large company. Assuming you made it through the phone maze and actually got to a live person, you probably had to re-explain your situation to each person you spoke with. Getting the same person to help you more than once rarely occurs, so you’re at the mercy of the last person’s note taking skills and luck of the draw of who you will speak with during this call.Image of a mortgage banker with a client

A good mortgage banker, on the other hand, creates a relationship of trust and reliability. Because they know you and your situation, they can hold your hand through the process, help prevent you from making major mistakes, and answer all of your questions. You get to work with the same person throughout the entire transaction, and even have access to them after your loan is closed. It’s a level of peace of mind that no online mortgage option can offer.

Remember, you can find many great tips for home buyers on our Facebook page. If you’re thinking about buying a home, we can help! Contact us today! And if you’re ready to apply for a mortgage, we have the perfect resource for you.

 

 

Share this page on:

View More

About / Testimonials / Contact

Welcome

Welcome! We are glad you’re here. We developed this website to give you the most up-to-date Napa Valley real estate listings and the most reliable information for home buyers and sellers.

Not sure where to start? Check out our blog, vlog, and articles for information on buying and selling a home, design and staging tips, and real estate investor information.

Ready to buy? Be sure to browse our current listings.We are eager to show you your next Napa Valley home.

Relocating to the area? Read up on all the great communities that make up Napa Valley.

Welcome! We are glad you’re here. We developed this website to give you the most up-to-date Napa Valley real estate listings and the most reliable information for home buyers and sellers.

Not sure where to start? Check out our blog, vlog, and articles for information on buying and selling a home, design and staging tips, and real estate investor information.

Ready to buy? Be sure to browse our current listings.We are eager to show you your next Napa Valley home.

Relocating to the area? Read up on all the great communities that make up Napa Valley.

Is it time to sell your home? Why not have the #1 real estate team represent you?

We’re sure you have questions. And we are here to help. Contact us for information on anything real estate related.

[READ MORE]
About Us

Leading the Pujals team are Jerry and Susan Pujals, who is ranked as the #1 Sales Team for California, Coldwell Banker Brokers of the Valley. Jerry, a Senior Broker, and Real Estate Advisor began his career in real estate with Coldwell Banker Brokers of the Valley in 1997. Susan, a seasoned Real Estate Sales Consultant joined the organization in 2008, which established the formation of The Pujals Team.

Having received national recognition for their performance and many local awards, Jerry and Susan are proud to be affiliated with Coldwell Banker Brokers of the Valley, Napa County’s real estate market leader for more than 20 years.[Read more]

Reviews
“Jerry and his associates are the best! Jerry cares for the individual taking in consideration what the person wants and cares for, making the best choices for you. I truly recommend them because they treat you as family and they make the process so easy for you. They are one of a kind!! We decided...” - Lucy Arreola Read More
“Jerry and Susan Pujals are adept at representing both sellers and buyers in this fast-paced Napa market. We’ve seen their work, both as sellers and buyers, and can affirm they shine in both arenas. The Pujals team just finished helping us through multiple real estate transactions: two homes prepared, listed and sold, and one home...” - Jane Callier Read More