Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718

Category: Mortgage broker

Address: 1129 Industrial Ave STE 102, Petaluma, CA 94952, USA

Phone: +17072897559

Opening hours

Sunday: 10AM–6PM

Monday: 9AM–8PM

Tuesday: 9AM–8PM

Wednesday: 9AM–8PM

Thursday: 9AM–8PM

Friday: 9AM–8PM

Saturday: 10AM–6PM

Reviews

Erin Franco

Dec 3, 2021

Greg was great to work with! As a data person myself, I very much appreciated the time he took to put together a dashboard where I could compare our different refinance options and understand the bigger picture of how to meet our goals. He was very willing to walk us through the dashboard and answer any questions throughout the process, but also gave us a recorded video that we could walkthrough on our own time. He and his team really cover all the bases in terms of communication, so that you can choose what works best for you.

Ashley Chatelain

Jul 17, 2021

Hands down the BEST ! We wouldn't trust any one but Greg when it comes to home loans . I have worked with Greg over the years for different home financing needs and every time he never disappoints. He's beyond knowledgeable , very informative and answers every question . He really does go out of his way to make sure you understand every option available to you and keeps you in the loop during the entire process . You can definitely tell he has a passion for what he does ! He's seriously the best !

Steve White

Apr 11, 2021

Such a great experience!! Greg made it so easy for our refinance, we never had to leave the house. Very happy, not only was he able to get us a lower rate and take out some equity for some home improvements but he was still able to lower our monthly payment!! Win Win!!! Thank you so much Greg!

Timmy Dunegan

Apr 8, 2021

Greg has been beyond amazing. Truly. He helped our family purchase our first ever home and we had a million questions. He took the time to answer each and every question and helped in innumerable ways. Since that first purchase we have been in communication with Greg on far too many occasions to count. He has always been readily available and unbelievably helpful. He has walked us through two home purchases and two refinances. We are eternally grateful and would absolutely recommend him without hesitation. — Tim Dunegan

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Questions & Answers

What is a second mortgage?

Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718 | Aug 28, 2022
Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718 | Aug 28, 2022

A second mortgage is a loan you take out using your house as collateral while you still have another loan secured by your house. ... The term second means that if you can no longer pay your mortgages and your home is sold to pay off the debts, this loan is paid off second.

What is mortgage insurance?

Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718 | Aug 5, 2022
Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718 | Aug 5, 2022

Mortgage insurance is an insurance policy that protects a mortgage lender or titleholder if the borrower defaults on payments, passes away, or is otherwise unable to meet the contractual obligations of the mortgage.

How to get pre-approved for a mortgage?

Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718 | Jul 6, 2022
Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718 | Jul 6, 2022

Contact a licensed mortgage professional and they will walk you through the process. Typically you will need to provide your personal information, employment information, and downpayment information. Make sure that any pre-approval includes

What is a high ratio mortgage?

Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718 | Jun 6, 2022
Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718 | Jun 6, 2022

Typically a high ratio has a down payment of less than 20%. These mortgages normally require mortgage insurance.

What is a mortgage?

Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718 | May 7, 2022
Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718 | May 7, 2022

A mortgage is a loan secured against a property. In the event of a loan default, the lender has the right to foreclose on the property and sell it to recover the loan amount.

How much mortgage can I afford?

Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718 | Apr 7, 2022
Northbay Home Loans: Greg Wilcox, Mortgage Broker NMLS #277718 | Apr 7, 2022

There are 3 factors that determine how much mortgage you can afford. Your income, your current debts, and current interest rates.

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