Shay Realtors ® Lenders

RPM Mortgage

  • NameChad Baker
  • Phone858-353-8331
  • Fax844-355-1814
  • Get Started

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Ask about our new Advanced Approval program which allows you to compete with other cash offers.

As Director of the San Diego Branch of RPM Mortgage, I believe that every successful mortgage transaction is based on establishing a strong relationship with my client.

I also believe that three elements that must exist in order to facilitate a successful transaction:

Availability. Whether you prefer to communicate by phone, email, text message, or in-person, you can contact me quickly and directly at any point in your transaction, including evenings and weekends.

Access to Programs and Pricing. New mortgage products are introduced in Southern California on a monthly basis. A typical bank can only provide a very limited number of financing options. Since we are a direct lender as well as a mortgage broker, you have the ability to access a vast array of loan products at competitive rates, from Jumbo programs with less than 20% down, to financing for homeowners after a short-sale or foreclosure.

Communication During the Loan Process. Effective communication helps reduce stress. During your transaction, I provide detailed weekly status reports so you and your agent know exactly where we are in the process, as well as what's coming up. I've also created my very own software that tracks your transaction and sends you email notifications when each important activity and milestone is achieved.

It takes both time and experience to develop an effective mortgage loan process. The foundation of my operations is based on the singular commitment towards the creation of value, both during the process as well after your loan has funded.

A mortgage typically represents the largest financial obligation of a person's life and the process of selecting a mortgage product involves a great deal more than the acquisition of the lowest interest rate.

There are many factors to consider in the selection of a loan product, from loan terms and down payment, to the allocation of closing costs. Spending time to carefully evaluate your short and long- term objectives with a property can save thousands of dollars in both interest and fees.

I am personally responsible for providing you with a clear understanding of your loan options and structuring your mortgage transaction to help you achieve your financial goals.

In order to provide a clear and transparent understanding of your loan options, I utilize the very latest in mortgage presentation software. This allows you to quickly and easily compare and analyze the short and long-term implications of different mortgage products and closing cost structures.

Top 1% Mortgage Originators in America 2016 Mortgage Executive Magazine

Top 300 Mortgage Originators in America 2016 Scotsman Guide

Top 1% Mortgage Originators in America 2015 Mortgage Executive Magazine

Top 300 Mortgage Originators in America 2015 Scotsman Guide

Top 1% Mortgage Originators in America 2014 Mortgage Executive Magazine

Top 300 Mortgage Originators in America 2014 Scotsman Guide

Top 1% Mortgage Originators in America 2013 Mortgage Executive Magazine

Top 1% Mortgage Originators in America 2012 Mortgage Executive Magazine.

To learn more, please Visit San Diego Purchase Loans

About Shay Realtors

Shay Realtors opened in 2011 with the simple idea to establish a successful real estate company that works with the community it represents. As a retired SDPD Lieutenant, Ray Shay knows firsthand how vital the role of community is. That is why he is passionate about offering the Community Hub® to community leaders and volunteers to come together to collaborate. It is Ray's dedication to family and the community around him that sets his company apart from the competition. Our agents are active members of the San Diego community. They are knowledgeable of the school districts as well as neighborhood highlights. Most importantly, our real estate agents truly listen to the needs and wants of our clients. By doing so, they can ensure to find our clients the right home, in the right community, at a price they can afford. Shay Realtors are widely known for their strong negotiating skills. They approach every transaction as if were negotiating for their own family. In our highly competitive San Diego real estate market, we utilize the technological advancements of today to connect with our clients. At Shay Realtors, we realize that purchasing a home is one of the largest investments you will ever make so we strive to ensure your satisfaction. That is why we define our success by the happiness of our clients. This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g. square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, non-commercial use in accordance with the foregoing purpose are prohibited. Redistribution or copying of this information, any photographs or video tours is strictly prohibited. This information is derived from the Internet Data Exchange (IDX) service provided by Sandicor®. Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display. The information and any photographs and video tours and the compilation from which they are derived is protected by copyright. Compilation © 2017 Sandicor®, Inc.

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