David  V
“Buying your first house can be very confusing. There is so much paperwork involved and so much fine print. The staff at 0 Point Loan was straightforward and honest. They showed us they cared and worked with our situation. It is comforting to know there still are honest people in this business.”

Stephen  M
“Thanks to 0 Point Loan and their efficient staff, I closed escrow on my house within 22 days! Many other mortgage companies I talked to told me that would be difficult but 0 Point Loan worked wonders. I’d like to take this opportunity to thank you and your staff for the excellent work.”

Neel  P
“It was my first home and my wife was pregnant with our first child. I didn’t have time to shop around and take chances so I took my Accountant’s advice and contacted 0 Point Loan. They understood my situation and made it stress-free. They saved us trips to their offices by coming over and helping us at our convenience. They made us feel like a part of their family, not just their customers.”

Dave  B
“I was reluctant at first because I came across so many people but the staff at 0 Point Loan made me feel at ease. They put my needs first not their commissions, and stood by their promises. They offered me ‘A+’ service without anything in return. Thanks 0 Point Loan!”

CONFORMING LOAN RATES UP TO $417,000
Product Rate Points Flat Fee APR
7 Yr Arm 6.00% 0 $1595 6.127
30 Yr Fxd 6.375 0 $1595 6.50
15 Yr Fxd 6.125 0 $1595 6.250

JUMBO LOAN RATES OVER $417,000
Product Rate Points Flat Fee APR
7/1 ARM 6.375% 0 $1595 6.500%
30 Yr Fxd 7.125% 0 $1595 7.250%
15 Yr Fxd 7.00% 0 $1595 7.38%
Better Business Bureau Equal Housing Opportunity California Association of Mortgage Brokers