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Our Story
LoanGal.com, a Crown Home Loans company, began its Internet mortgage
operation in 2001. LoanGal.com is named after our founder
Heidi Rivas. Heidi Rivas, also known as "LoanGal", is
one of the leading mortgage professionals in the Nation.
At LoanGal.com, we offer the best interest
rates from 50 national wholesale lenders and banks and we provide
our clients with hundreds of loan programs to fit all their mortgage needs. We
offer a variety of loan products, including first mortgages, fixed
rate second mortgages, variable equity lines of credit, land
mortgages,
construction mortgages, and alternative financing mortgages for
clients with imperfect credit.
LoanGal.com is a Santa Clarita
Valley-based company and we do business throughout California from a
single location. We are in the process to offer our high
quality services nationwide. Our business model provides our customers
with the best rates and the highest level of customer service.
Our
state-of-the-art website allows our clients to shop for the best
rates from over 50 national lenders and banks. We also provide
our clients with
secured online applications,
powerful calculators,
a daily market commentary,
valuable loan information, and
rate
alert. LoanGal.com also offers loan consultations over
the phone. We are able to complete an entire loan application
over the phone, including locking your loan, in as little as 10
minutes
LoanGal.com is a California corporation licensed by the California
Department of Real Estate
#01338811. The company was founded by
Heidi Rivas
and
Renato Rivas
who actively continue to act principals and
are involved in every aspect of the loan process.
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Message
From The President
Dear
Friends and Clients,
As the
President and Founder of LoanGal.com, I would
like to personally welcome you today. Our website is designed to provide
you with the latest loan tools and mortgage information on the Internet.
Because we are one of the leading lenders, we have the opportunity to work with hundreds of clients
each year. We pride ourselves in providing each of our clients with the best
value in the lending industry: low rates and unparalleled service.
Our number
one priority is always our clients' 100% satisfaction.
At LoanGal.com we offer the lowest
interest rates from the nation’s most respected wholesale banks and the
best mortgage services available anywhere. In fact, we offer the
reliability and responsiveness only LoanGal.com can provide.
Thank you for visiting.
Heidi
Rivas, President
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The
LoanGal.com Guarantee
At
LoanGal.com our goal is to create a legacy of highly satisfied
customers. The way we achieve our high level of customer service
is by providing our clients with low rates and unparalleled customer
service. When entrusting LoanGal.com with your home loan, you can
expect the following:
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Guaranteed
closing costs:
We
guarantee our fees, the appraisal fee, and the lender fees to be exactly
the same as quoted on your initial consultation. The reason
we can guarantee these costs is because, as the lender, we have control
over these fees. Other closing costs are third party fees
including escrow fees, title fees, recording fees, and all other closing
costs. These fees vary depending on your specific situation.
A Good Faith Estimate including our fees, lender fees, and all other
recurring and non-recurring closing costs will be forwarded to you
within 24 hours of your application. |
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Return your emails within 24 hours: We
will return all your emails within 24 hours of receipt with the
information you requested. Emails sent on the weekend will
be returned by Monday morning.
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Return your phone calls within 30 minutes or less: All
phone calls will be returned within 30 minutes from receipt.
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Close your loan on time and without hassles: We
guarantee we will close your loan on time. Most importantly, we
will make the loan process extremely smooth and without any
hassles. |
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The best possible loan to fit your needs:
We
always look out for our clients best interests. We have access to
over 50 national banks and lenders and over 600 different type of loans
and programs available. Our job is to shop for the most competitive
rate and term that fits your needs, not ours.
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Good Faith Estimate within 24 hours of your
application: After
we receive your completed loan application, we will forward a Good Faith
Estimate with all the fees associated with your loan. We make
every effort to quote third party fees as accurately as possible.
Thus, we are unable to guaranteed third party fees. However,
before you sign loan documents, we will go over the Final Closing
Statement to review all fees. The Final Closing Statement reflects
accurate figures for all recurring and non-recurring closing
costs.
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Weekly updates:
We
believe in keeping our clients updated throughout the escrow
period. We will update you at least once a week. However,
we may be in touch with you more often if needed. In a purchase
transaction, we keep all parties involved, including the listing agent,
selling agent, and escrow officer, updated via fax.
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Least amount of documentation for your loan:
We
understand how busy our clients are with their lives. We make
every effort to request the least amount of documentation from our
clients. |
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Ethical business practices without compromise:
We
take pride in our impeccable reputation in the lending industry.
We also treat each client with honesty and respect.
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Corporate Philosophy
We believe in old-fashioned values: honesty, knowledge, and commitment. We believe these values help us give our clients
not only the best rates, but also unparallel service. At
LoanGal.com, we tell you not only what you want to know, but what you need to know!
We believe that honesty in the best policy. We know
the loan process can be a difficult process. At LoanGal.com we
always give you simple, honest answers. Our goal is to make
your loan smooth and hassle-free.
We believe that knowledge empowers and that only when you fully understand
your options, you are truly empowered. Real estate financing is an area where lack of information
cannot only cause you problems, but could prove extremely costly.
At LoanGal.com, we provide you with accurate information and a
variety of loan programs to meet your needs.
Our commitment is to provide our clients
not only the best rates, but the best service too.
In fact, our commitment goes well beyond our words. We demonstrate our quality and dedication in everything we do!
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