Why Troy Bird & Comstock Mortgage?

Everyone has their own reasons for choosing one lender over another, but most people commonly look for competitive interest rates and the fastest turn around times. At Comstock, our network of investors, our negotiated pricing strategies, and our efficient processing teams all ensure that you will have that, along with the best possible loan experience.

Comstock Mortgage, Inc. has been serving Sacramento, Placer and El Dorado Counties as a full-service residential mortgage broker since 1989. Locally owned, many of the producing owners ventured into the mortgage origination business prior to this date and began to lay the groundwork for their own enterprising mortgage company with a fresh business approach. Since it's inception, Comstock has been directly involved in closings totaling over $700 million and has been an active participant in the Tri-County area's growth, servicing more than 5000 customers in the last 12 years.

The experience in the mortgage business has given Comstock the expertise and insight to build a one-of-a-kind mortgage company. Today, Comstock has a reputation among the RealtorŪ and borrower community for "on-time" commitment and "on-call" service, and a philosophy of success simply based on working harder for you.

What function does a mortgage broker serve?

A mortgage broker is simply a liaison between the consumer and the lending institution. Very often a mortgage broker has affiliations with a number of lenders so they can offer a wide array of loan products directly to the consumer. This feature alone can save the borrower time, effort and money by having direct access to institutions with the right product for them at a competitive price.

Do I get a better deal by going directly to the mortgage broker?

It is a common misconception in the residential mortgage industry that you can get a better deal from the lending institution directly. Lenders offer their loan products to the mortgage broker on a wholesale basis. This means they reduce the fees to the mortgage broker so that the mortgage broker can deliver the same program at the same or better price as the lending institution. So, this large availability of product and lenders not only gives the mortgage broker an opportunity to find the loan best suited for the consumer, it also creates an opportunity to provide a very competitive price, thus saving the consumer time and money.

Our Focus is On You

Our only business is residential mortgages. We focus on all your mortgage needs with an acute specialized expertise. We offer a variety of creative programs that help borrowers get the right loan at the right interest rate. Transactions are handled by experienced, trained mortgage counselors who will take you to closing fast. Since we have delivered so many quality mortgage loans to our investors, we receive superior services: underwriting decisions in one day, the ability to lock in loans after the financial markets have closed, significantly reduced rates and fees with the savings passed on to you. These all guarantee you the best terms available, and the funding you need, fast.

What about service?

Quality of service is the most important aspect of choosing any lender. Mortgage brokers are very often small businesses and do not have a lot of money budgeted for marketing and advertising, consequently, their business grows most commonly by referral. A mortgage broker who comes highly recommended has built his or her reputation on timely service, integrity, honoring commitments and a conscientious attitude toward cultivation of long term relationships.

We Do it All

When you go to Comstock, you only have to deal with one company for all your mortgage needs, from pre-qualifying, approval and loan funding to closing. We recognize that your time is valuable, and the efficiency of our one-source servicing can make a real difference in the completion of a project or sale. Working directly with us makes it easy for you by eliminating the confusion of the mortgage loan process, extra paper work and extra costs.

Expect Straightforward, Timely Answers

We pride ourselves on the way we handle your business. You can always expect up front, honest communication, attention to detail and respect for contract dates. Full-service, individual care is so important to us, that we make it a practice of processing one transaction at a time to ensure accuracy and promptness.

Our goal is to alleviate any inconvenience during the mortgage process. If it's more convenient, we'll come to you. You can trust Comstock professionals to guide you every step of the way, so that your transaction isn't a difficult mountain climb, but a quick and easy hike to the top.

At Home on the Range

No other mortgage broker can accommodate your needs like Comstock. We're big enough to provide the funds you need when you need them, and small enough to give you the kind of personal attention and fast service you'd expect from trained professionals who know their business and know the area. After all, we've built our home on the range by building a reputation for excellence that can not be rivaled...a reputation for excellence that continues to define Comstock as Northern California's Premier Lender.