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0Pointloan was founded by Jay Patel in 1999 as an Internet lender. We are committed to using technology to provide lower costs and more convenient mortgages to our customers. Reducing costs is important to us at 0Pointloan, and we do that by utilizing automated underwriting systems and other technologies and by lending in California. If you’re looking for a mortgage loan, we’re the people to talk to. Our dedication to reducing costs and making the mortgage process more convenient runs through everything we do. Lowering costs helps us, but it also helps you, because you pay less for a more streamlined mortgage that can help you get into the home you really want more quickly and easily than you thought possible.

  • There are always fees for the creation of a mortgage, but keeping them very low and being upfront about them is what sets 0Pointloan apart and keeps customers coming back and recommending us to their friends and family members. When you know what your fees are going to be right from the start, there aren’t any nasty surprises in getting financed. That can help you feel better about your mortgage and better about your lender, letting you move forward with the homebuying process. Fewer reservations about the mortgage you’re getting means more peace of mind and a higher level of confidence that you’ve made the right choice for getting a great mortgage that works for you.

  • It’s not just about the fees, though. It’s also about the convenience. At 0Pointloan, we want to make it easy for you to get a mortgage and to understand the process from beginning to end. Working with Jay Patel and his team means you get the information you need to answer any of your mortgage questions. Whether you’re a first-time homebuyer or you’ve bought and sold numerous houses, 0Pointloan wants to make the process of getting your mortgage as easy as possible for everyone involved. We’ll help you find programs for which you might qualify and give you the best rate we can. If you have credit problems or other concerns, bring them to us, and we’ll see what we can do for you.

  • Helping people is what we do at 0Pointloan, and it’s what we’re good at. We want you to be one of those people we’ve helped, so you can tell others what a great experience you had with our company. We love to hear that, and it’s one of the things that drives us to continue to give great service and provide the best possible mortgage rates. Even if you have a unique situation, that doesn’t mean you can’t get a mortgage. Reach out to us at 0Pointloan, and let us see what we can do for you. There may be options you haven’t considered yet, or that other lenders can’t or won’t offer you, and that’s worth taking a look at.

  • By working with 0Pointloan, you’ll get a company that’s dedicated to making it easy and convenient to get a mortgage and that understands that people are unique and have different situations. Our low fees and upfront ability to give you information about what we can do for you sets us apart. Get in touch with us today, and let us work toward making your homebuying dreams come true.