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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.