Chris Sandoval is your Los Altos local lender. As a VP of Mortgage Lending at Rate, one of the largest retail mortgage lenders in the United States, Chris focuses on helping clients secure the best possible deal so they're not overpaying or leaving opportunity on the table. With access to more options than traditional banks, Chris offers competitive pricing, fast closings, and flexible solutions including refinances with lender credit and no additional fees at closing, lender-paid temporary rate buydowns, interest-only options and non-QM programs such as bank statement loans, DSCR loans and 40-year terms. Many clients are surprised to find they can qualify for a lower rate, lower payment or a higher purchase budget than they initially expected. Whether you're buying, refinancing, or simply comparing options for a primary residence, second home or investment property, Chris provides clear guidance throughout the process by text, call, or email. Contact Chris at (408) 393-0004to get a custom quote and see what you qualify for.