Mortgage advice that starts with the numbers — not the credit pull.
Twenty-seven years originating California home loans. Every program you qualify for, compared on the same page — payment, cash to close, PMI cost, break-even, lifetime cost. You pick the loan. I make sure you're picking with all the math in front of you.
No credit pull. No obligation. Reply same day.
Home Loan Advisor
Remy Daryani
NMLS# 359364
NMLS# 359364
Federally registered MLO
27+ years
California originator since 1998
Persian · Turkish
Conversational in both
No advisory fee
Paid through the loan, not by you
How rates actually work
Same loan. Three different ways to pay for it.
Most lenders quote one number. I show you the trade-off. Here's an example for an $800,000 loan, 30-year fixed, at the rates I'm seeing this week. Your scenario will look different — but the shape of the choice is the same.
Lower rate
$3,200 in points
Best when you'll keep the home 7+ years and have the cash to buy the rate down.
Balanced
Par — no points, no credits
The default starting point. Use this if you're not sure how long you'll keep the loan.
Lender credit
$2,400 credit toward closing
Best when cash to close is tight or you plan to refinance within a few years.
Illustrative only — actual rates depend on credit, property, occupancy, and the day we lock. Same shape of choice applies to every loan.
Loan programs
Every California program. One advisor.
Pick the one that fits — or let me run all the ones you qualify for side by side. The recommendation is yours either way.
Purchase Loans
Conventional, FHA, VA, and first-time-buyer programs — matched to your numbers, not a one-size product.
Refinance
Rate-and-term, cash-out, and consolidation — only when the math actually works.
FHA and VA Loans
Government-backed financing for first-time buyers, lower down payments, and veterans.
Jumbo and Investment Property
Loans above the conforming limit, second homes, and rental property financing.
How it works
Three steps. No surprises.
You'll know exactly where the file stands at every stage — and the same person stays on it from the first call through funding.
Discovery
15-minute call
Income, savings, target price, timeline. No credit pull, no application. Enough to know what's actually possible — and what isn't.
Compare
Every program
Every loan you qualify for, side by side. Payment, cash to close, PMI cost, break-even, lifetime cost. You see the numbers I see.
Close
One advisor
Same person from pre-approval through funding. Tight coordination with your agent and escrow. Check-ins after close when rates move enough to matter.
What's different
The rate-quote machine vs. an actual advisor.
Most borrowers get put through the same automated pipeline whether they're buying a $400k starter or a $4M jumbo. Here's what changes when you work with someone who's been writing California loans since the Clinton administration.
Most lenders
- Pull your credit before saying hello
- Quote one rate and hide the trade-offs
- Hand you to a processor you've never met
- Default to whichever product pays the most
- Disappear once the loan closes
What I do
- Numbers first — credit pull only when you decide to move forward
- Three pricing paths so you see the trade-off in dollars
- Same advisor from discovery through funding
- Honest "no" when the math doesn't work for you
- Check-in at year one and any time rates move enough to refinance
Run your scenario
Tell me what you're working on.
A few details — target price, down payment, timeline — and I'll send back the programs that actually fit. No credit pull. Reply usually same day.
- No credit pull until you decide to move forward
- No obligation, no auto-emails, no sales push
- Same advisor from this form through closing
Tell me what you're trying to accomplish. I'll come back with the programs that actually fit — no credit pull, no obligation.
Common questions
The questions borrowers ask me most.
Answered plainly. If your situation isn't covered here, send it over and I'll come back with specifics.
Service area
Bay Area Peninsula, statewide California.
Based on the Peninsula, with active loans across San Mateo, Santa Clara, San Francisco, Alameda, Contra Costa, and Sacramento counties. The process runs remotely either way.
Ready to see your numbers?
Fifteen minutes is enough to map out what's possible. No credit pull, no obligation, no pitch.