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SossLendingTeam-9930-Edit.jpg

The highest rated mortgage team in the universe.*


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The highest rated mortgage team in the universe.*


*as determined by a 2015 survey conducted by highly respected industry trade group: M.O.S.T. (Moms Of Soss Team)

 
 

Led by Andrew Soss, one of the top producing mortgage originators in the country, the Andrew Soss Lending Team is a group of highly skilled and experienced mortgage professionals serving clients throughout California.

 
 

Our advantage.


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Our advantage.


Support Staff

Due to our high volume production, we were able to get our pick of the litter with our support staff. This includes four dedicated mortgage assistants as well as a Business Development Manager who handles our inside customer service team. We process, approve, and fund loans 100% within our office. This streamlines our approval process and allows us to close without unnecessary delays.


Customer Experience

We are laser focused on the client experience. We understand that it doesn’t matter how well we market and sell if we don’t provide the client an amazing experience. By utilizing the most current technology for pipeline management, status updates and real time mortgage rate tracking, we are able to provide an unparalleled level of client interaction and communication.

Mortgage Banker or Mortgage Broker?


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Mortgage Banker or Mortgage Broker?


 

There are two main types of companies where consumers can obtain a mortgage: a Mortgage Banker or a Mortgage Broker. The main distinguishing factor is if the loan is being processed, approved and funded directly (Banker) or indirectly (Broker).

 

 

Mortgage Banker

A Banker will process, approve and fund the transaction 100% in house and then sells the loan for a profit on the secondary market after closing.

Mortgage Broker

A Broker will take the application, then shop it around to various mortgage banks (investors) to obtain the best deal for the client.

 

Since the banker controls everything in-house, they retain a lot more control in the transaction. They can usually close with less hiccups since they use the same processors, underwriters and funders on all transactions. However, since they are funding everything under their own rate sheets, they aren’t shopping the loan around to as many investors as a broker.

A Broker will take your application and shop it around for the best deal on your behalf with multiple investors. They will nearly always have access to the lowest rates in the market. However, once they determine the investor to send the file to, they are reliant on that investors processing, underwriting decisions and turn times. They give up some of the control for access to the best rates and programs.

 

Why not both?


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Why not both?


At Alpine Mortgage Planning, we are a hybrid model. We operate as a full fledged mortgage banking company who directly funds over $6 billion in loans a year. However, to better serve our clients and offer more choice, we have retained the ability to broker a loan when it makes sense for the client. As a team, we fund about 85% of our transactions directly and broker the remaining due to better rates, programs or guidelines available.

Does any of this even matter??

Bottom line, we look at what is best for you, the client. We structure your financing based upon our many years of transactional experience. We have zero incentive to push you into one program over another as we are compensated solely on loan volume and not based on the specific rates or loan programs we provide.

 

Don't just take our word for it. See what people are saying about us.


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Don't just take our word for it. See what people are saying about us.


We closed our purchase-loan for a single family home with Alpine Mortgage last week. I’m a second time home buyer and in the last 12 years of our purchase and refinancing history, this particular transaction is the smoothest one we had ever encountered.

Andrew and Robin were very organized and proactive on the required documentation. They have a work-flow chart sent out every Monday and Thursday summarizing the complete process and what else is left. This tremendously helped assure us that we are on the right track to close escrow on time.

Since this is a purchase loan and we had our own set of complexities in terms of being able to be qualified, Robin had a great deal of patience to answer all the questions and put our anxiety to rest.

Finally, two import things in my opinion:
1. Prompt response from Andrew all days a week was very helpful. In the past, we encountered loan officers who don’t respond back from Friday 5:00PM to Monday 9:00AM. This might be fine for refinancing but not for a purchase-loan.
2. When we first approached Andrew with our purchase price and down-payment options, he presented us with few other viable alternatives that I wasn’t aware of earlier. This information turned out to be very significant in our decision process to pick the right type of loan.

Thanks Andrew and Robin for such an awesome service. You made the whole transaction look as seamless as possible !
— Missy K. San Jose, CA
Just finished a refi with Andrew and his team. What a great experience for what can be a tedious process. Andrew and his team were professional, thorough, timely, knowledgeable, and very friendly. I highly recommend them!!
— Kimberly C., Seal Beach, CA
I knew I wanted to use a local company that was not through a big bank. I had two other preapprovals through major banks but I just didn’t like the terms they offered — close within 17 days but excessive closing costs or couldn’t close in less than 40 days — things that would hinder our ability to get an offer accepted in this market.

I’m very happy with our decision. Our loan was funded in 3 weeks! We could have closed even sooner if we didn’t have to wait for our own funds to transfer. Closing a week early was a huge relief for us because we had a nonrefundable vacation (in-laws are coming!) planned for the same day we were originally scheduled to close (30 days). Closing a week early saved us money by not having to extend rent on our old place to move after vacation and relieved some pressure from ill timed plans.

Andrew and his team were incredibly easy to work with. I’ve heard nightmare stories about the mortgage process but I did not have that experience. Lenders still require documentation over and over right away but other than that the whole process was painless and efficient. Andrew was able to get a very competitive rate with lower closing costs.
— Ruthie Schaeferle, Mountain View, CA
Andrew and his team are absolutely amazing to work with! Andrew was recommended to us by our friends who was extremely happy with his services and rates. I reached out to Andrew’s team via his website and was promptly scheduled to chat with him the next day. Andrew was extremely thorough in collecting our information and knowledgeable in breaking down the daunting process for a first time buyer. His rates were extremely competitive and really appreciated the responsiveness of his entire team.
— Tina P., Los Angeles, CA

 
 

We have over 80 five star reviews on Yelp.
Check it out!

Distribution of Reviews on Yelp

as of 7/30/2015