"Beyond the Rate" with Patrick Schwerdtfeger - a FREE information series about mortgages and real estate.

Useful links and resources

Is anyone telling the truth in the mortgage business?

The "Beyond the Rate" podcast series has been downloaded over 13,000 times in 27 different countries. It is being used by a variety of real estate and mortgage companies as a training vehicle for new agents and loan officers. This is a tremendous FREE information resource for people who want to educate themselves on the mortgage business.

Patrick Schwerdtfeger is a Mortgage Broker in Northern California (DRE #01424896) and originates purchase and refinance mortgage loans through Windsor Capital Mortgage Corporation (DRE #01050210), the third largest brokerage in the country (2005). Patrick provides the "Beyond the Rate" information series as a service to prospective clients. Be prepared for some candid and forthcoming detail because that's what the series provides. Information is available via podcast as well as PDF format.

If you're considering a purchase or refinance transaction, review the information on this site first. There are countless nuances to the loan business and I'd love the opportunity to discuss them with you. Windsor Capital is licensed to originate loans in California as well as 31 other states across the country.

Learn More Now – Quick Links

How Mortgage Brokers Get Paid!

The Source of Mortgage Money.

The Hierarchy of Lenders.

The 3 Pillars of Underwriting.

Different Loan Programs.

Points & Closing Cost Structures.

Credit Bureaus & Credit Scoring.

Prepayment Penalties & Indexes.

Signing the Loan Documents.

Financing Strategies for Investors.

The Future of Interest Rates.

The Future of Stock Valuations.

Simplified 1-Page Refinance Application.

Simplified 1-Page Purchase Application.

List of Documentation Required.

Important Information about Gift Funds.

Important Information about Fire Insurance.

Residential Lease Agreement.

Testimonials (View all)

Thank you for the wonderful and informational Podcasts. I have learned a ton listening to you and believe your clients are fortunate to have a broker as knowledgeable and committed to honesty as you seem to be. Again, thank you for sharing your expertise.

Greg Roth, Minneapolis, MN

Educational site about mortgages, real estate, home loans, purchase and refinance transactions. Is anyone telling the TRUTH in the mortgage business?? PAtrick Swerdtfeger is your host for FREE seminars on the mortgage industry. Need the refinance?

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