Full Application - This takes about 15 minutes and the government monitoring section is voluntary.

HUD Settlement Booklet - this is a 49 page government resource for home loans. If you are considering an adjustable rate mortgage, you may access the HUD Consumer Handbook on adjustable rate mortgages here - HUD CHARM Booklet.

Click here for Feedback from some of my Realtors and here for feedback from my clients

=================================================================

Charlie is a third generation Marin County native who has been in the mortgage business since 1986. He lives in Marin with his wife and two kids. Charlie offers a unique perspective to his clients as his career path has offered him direct experience in almost every aspect of the lending process. From Retail Lending to Wholesale Lending, from underwriting to quality control, Charlie knows, first-hand how to navigate the borrowing process. Charlie is also an industry innovator as a partner in a former mortgage software company whose technology is being used by Fortune 500 companies today. Charlie has also founded a business-to-business mortgage Internet Company and a mortgage advertising company.

Experience and Education Highlights:

Branch Manager & Senior Loan Officer - Equitable Mortgage Group - Mortgage Bankers and Mortgage Brokers

Certified Mortgage Coach - CMC
Certified Mortgage Planning Specialist - CMPS
Certified Strategic Equity Planner

Broker/Owner CWC Financial, 2001-2010 - Mortgage Brokerage
Founder, MagicHome.com 2000 - Web Portal with Brick & Mortar Plan
President & Founder, Mortgage Telesis, Inc. 1995
AVP, Alltel Information Services Mortgage Division 1995
Co-Founder and VP, Daily Mortgage Facts, Inc. 1989
Wholesale Account Representative, United Savings Bank, FSB 1988
Quality Control, Underwriting and Compliance, United Savings Bank, FSB 1987
Loan Agent, Capital Management Group 1986

Economics Major, University of California at Davis 1985
San Rafael High School 1980

Hobbies and Philanthropies:

• Golf, snow and water skiing, snow and wake-boarding.

• Pastoral Counsel – St. Anselm Catholic Church

• Eucharistic Minister – St. Anselm Catholic Church

• Finance Committee – Meadow Club

• St. Anselm School Advisory Board

• Entertainment Committee - Meadow Club

================================================

Client Feedback:

Thanks for all your hard work Charlie! You are truly amazing! Christine and Jeff, Sausalito

Hi Charlie:
Thank you so much for the great info, confidence building and support this a.m. during the 4 way phone conversation!  You are truly amazing...amazing because you are busy beyond belief and yet you find the time, the way and the words to comfort as you do!  Thank you so, so much!  Pam, Novato

Charlie, I will be sure to utilize your services in ANY future transaction. Your diligence is impressive. I will also recommend your services to anyone I know who is in the market. Hopefully it won't be too long before we find a place. Thanks, Jake, Berkeley (Jake is an attorney for the Department of Housing and Urban Development - HUD)

Charlie and Indica, Thank you both for the amazing work you did on our loan. We are in deep gratitude and we love our new home! Sincerely, Jesse and Greg, Rocklin

"I will never forget how you kept the commitments that you made to me and my family all through the process of making our refinance a reality.  We felt like we were dealing with a close friend, because we found we could count on you to be available to honestly answer our questions and concerns on an as needed basis.  It has been refreshing to find a business with such high standards and integrity.  Good luck to you in your future!! I would just like to finish by saying I am totally honored to do business with you because you have shown so much integrity in standing behind all of the promises that were made. Working with you has been definitely uplifting." Carole, Newark

"Professional, courteous, excellent follow up. Like taking a step back into the past where customer service was something of value." David and Phyllis, Castro Valley

"I have worked with many mortgage professionals over the past 30 years. The experience with your team was by far the best. I will gladly return for future business and recommend you to my friends. Thanks for the great service." Richard, San Jose

"It is hard to put into words how grateful we are to you but I do want you to understand that we know that this wouldn’t have been possible without your time, effort, and concern for our future. You are an awesome company and I hope in the future there will be some way to be able to show our true appreciation for all that you have done. While this is a huge commitment, we are both beside ourselves in excitement. You are the greatest...thank you, thank you, thank you!!!" Mike, Novato

"You did everything so well! Thanks for your hard work and market expertise -- it means a lot to us to have solid professionals in our corner!" Margot, Novato 

"We really appreciate the work-ups you provided; they were excellent. The review of multiple scenarios really is educational and would make it easy to select a mortgage in an informed manner. We will keep your contact information; you can be sure we will use your services in the future.  I will also send along your contact info to my pals via email.  We were very impressed with the quality of your service and information." Mary, San Rafael

"Thank you for all your help and persistence in making my dream come true. I love my new home!" Toni, Vallejo

Incredible. very easy, what I wanted, friendly, All good, Thanks. We are a good testimonial for you." Bill and Jennifer, San Anselmo

"You are Awesome!! :-> Thanks EMG - I'll definitely recommend you to anyone who needs a loan!! Robin, Richmond

Thank you, thank you, thank you!! You were an absolute pleasure to work with and I will most definitely refer you to others!!! All the best, Trina, San Francisco

"This has been an amazing process - so easy. I appreciate all your work. " Katy, Napa

"Leonard and I are very happy to have gone through this process, and you/your office made this a painless exercise.  We had been prepared for something much worse!" Quiana, Berkeley

"Thanks so much! Another perfectly delightful transaction with you!" Mary, Lake Tahoe

"Thank you again for handling our loan with great efficiency and professionalism - we both really appreciate your super service." Jen and Russell, San Rafael

"You provided excellent financial service advice and solutions to accommodate a fast move from southern California to northern California. If ever there was someone who in crunch time can produce results, think outside the box, and do so with the utmost integrity and reliability, it's you. Thanks!" George, Tiburon

"You were the best loan people that I have ever had the opportunity to work with. And, even though I know that this is only business, character and relationship mean a lot to me - and you came across with integrity." Stefnie, Pasadena

"Lynn and I appreciate all your help on our refi. It was the most trouble-free refi we've ever experienced. I particularly like that you took the application over the phone. We will definitely recommend you to our friends." Neil, San Rafael

"I just wanted to take the time and commend your choice of employees. They are not only professional but have been very kind when I call them frantically with issues. Not to mention they often have gone way beyond the call of duty. They have really helped us get through this refi and I wanted you to know the fantastic job they have been doing. Thanks for your help. Babak and Mailana, Lafayette

"Thank you so much for your help (& that of all in your office). We were so pleased with the attention and response that your staff gave us during the insanity of purchasing a house! Lisa and Benjamin, Mill Valley

"We just wanted to give a warm heartfelt thank you to the family of EMG. The entire staff made our fist home buying experience wonderful. We appreciate all of the time and effort that went into making our dream turn into a reality. Thanks again! Sincerely, Joel and Kristy, Pleasanton

"We are situated in our new home in Novato in record time! Your company's timely and professional service made a big difference during the escrow process. We enjoyed working with you and appreciate your responsiveness and your excellent staff. Thank you!" Marty and Deanna, Novato

"I have been meaning to come by one morning to personally thank you and your team for the awesome job you did with our refinance. Everything you told us about the process was 100% correct! I will be sure to refer you to family and friends as you are truly the experts." Theresa, Benicia

"I don't normally write but I feel compelled to to let you know how grateful I am to you. You were so nice to spend so much time explaining stuff to us - and re-explaining again and again! You really made this happen for us. We appreciate all your hard work so much - even the work we can't possibly know you did. You are so good at your job and I'm glad we had you by our side. I'm telling everyone I know to use you." Liberty, Novato

"Alas, I wanted to thank you for making my refinance such a pleasant experience. It was short and sweet; thanks for clearly explaining all my options so that I could make the best decision for me and my future goals. You and your professional staff are to be commended and, with first-hand experience, I will gladly recommend you to my clients." Desiree, Oakland

"You have been extremely responsive and helpful to us and we appreciate your patience and hard work in addressing these few remaining concerns. Both Ann and I greatly appreciate your patience, hard work, and assistance in working with us to obtain a mortgage loan for the Belle Terre property. Thank you again for all your efforts." Thomas and Ann, Novato

"Thank you for including me in your newsletter mailing. Great information! It was so much fun to meet you the other day - and what a fantastic gift! You know I crave my new toolkit! What a keen thing and how sweet of you to give it to me. I'll keep your cards on hand and will definitely recommend you to others! Best wishes!" Lyn, San Rafael

"This is my third home purchase and this has been the best experience by far. The work you did with me to improve my credit scores was fantastic! I calculated my savings, as a result of the credit score work, and you saved me $73,125! Thank you very, very much." Vince, San Francisco

"Thanks for all your help. You were great to work with and a true professional. I will be back in a few years to refi, so keep me in your files! I will send people your way if anyone I know is interested in a first time home loan or re-if. Thanks" Nick, Novato

"You guys were the best. We've done a lot of these transactions and NEVER has it been so smooth. Unlike the other deals we've done, there was no bull and no surprises throughout the entire process. You guys are absolutely the best." Lisa & Brad, Concord 

"We have really appreciated working with you. In the many years we have been homeowners we have never had an experience even as remotely positive as the one we had with you. Your customer service rates A-1. The older I get, the more I appreciate being treated with respect and concern. Rest assured that we will recommend you to anyone we know who is seeking a loan. Thank you." Sue, Union City

"EMG, just a quick note to say thanks for your efforts on our new home purchase in San Rafael. You are making the move so simple." George and Cynthia, Novato

"We just wanted to say thank you from both of us to all of you.  You and your entire staff made it happen and it was quite remarkable.  We are in our new home by the bay in Vallejo.....and it is better than we ever expected.  We absolutely love it!.  Thanks again for all the hard work. Take care and God bless." Michelle and Jim, Vallejo
 
"You were great. This was the easiest escrow we have ever had!" Stella, Novato

"You made this a very simple process. Our calls were always returned or answered - even in the busy environment that must exist now. Thanks." Ed, Mill Valley
 
"Just a quick note to say thanks to you and your staff for taking care of our refinance and purchase. I appreciate how smoothly the process went. I've already passed on your contact information to friends, so you may hear from them soon. Cheers." Sudha, San Rafael
 
"Thank you, thank you, thank you...you saved us with the fastest home equity line in history - that was everything we wished for. Please enjoy an Omaha Steaks cookout as part of our thanks while we search for home-buying friends to send your way" Joce and Bob, Lafayette
 
"You did a fantastic job on the analysis. Thank you...If we need a loan in the future, I will definitely keep you in mind. Thanks so much for your prompt and professional work." Carmen, North Bay
 
"Thank you so much for all you did for us. You have taken a lot of stress out of our lives!"Kaela and Tim, Belmont
 
"The EMG team was professional, knowledgeable, and responsive to our needs.  I will refer them to my family and friends without hesitation." John and Denise, Petaluma

"You are bright, friendly and resourceful.  You made our lives easier as we made our way through the loan process."Jeffrey and Dianne, Mill Valley 

Full Application - This takes about 15 minutes and the government monitoring section is voluntary.

HUD Settlement Booklet - this is a 49 page government resource for home loans. If you are considering an adjustable rate mortgage, you may access the HUD Consumer Handbook on adjustable rate mortgages here - HUD CHARM Booklet.

Click here for Feedback from some of my Realtors and here for feedback from my clients

=================================================================

Charlie is a third generation Marin County native who has been in the mortgage business since 1986. He lives in Marin with his wife and two kids. Charlie offers a unique perspective to his clients as his career path has offered him direct experience in almost every aspect of the lending process. From Retail Lending to Wholesale Lending, from underwriting to quality control, Charlie knows, first-hand how to navigate the borrowing process. Charlie is also an industry innovator as a partner in a former mortgage software company whose technology is being used by Fortune 500 companies today. Charlie has also founded a business-to-business mortgage Internet Company and a mortgage advertising company.

Experience and Education Highlights:

Branch Manager & Senior Loan Officer - Equitable Mortgage Group - Mortgage Bankers and Mortgage Brokers

Certified Mortgage Coach - CMC
Certified Mortgage Planning Specialist - CMPS
Certified Strategic Equity Planner

Broker/Owner CWC Financial, 2001-2010 - Mortgage Brokerage
Founder, MagicHome.com 2000 - Web Portal with Brick & Mortar Plan
President & Founder, Mortgage Telesis, Inc. 1995
AVP, Alltel Information Services Mortgage Division 1995
Co-Founder and VP, Daily Mortgage Facts, Inc. 1989
Wholesale Account Representative, United Savings Bank, FSB 1988
Quality Control, Underwriting and Compliance, United Savings Bank, FSB 1987
Loan Agent, Capital Management Group 1986

Economics Major, University of California at Davis 1985
San Rafael High School 1980

Hobbies and Philanthropies:

• Golf, snow and water skiing, snow and wake-boarding.

• Pastoral Counsel – St. Anselm Catholic Church

• Eucharistic Minister – St. Anselm Catholic Church

• Finance Committee – Meadow Club

• St. Anselm School Advisory Board

• Entertainment Committee - Meadow Club

================================================

Client Feedback:

Thanks for all your hard work Charlie! You are truly amazing! Christine and Jeff, Sausalito

Hi Charlie:
Thank you so much for the great info, confidence building and support this a.m. during the 4 way phone conversation!  You are truly amazing...amazing because you are busy beyond belief and yet you find the time, the way and the words to comfort as you do!  Thank you so, so much!  Pam, Novato

Charlie, I will be sure to utilize your services in ANY future transaction. Your diligence is impressive. I will also recommend your services to anyone I know who is in the market. Hopefully it won't be too long before we find a place. Thanks, Jake, Berkeley (Jake is an attorney for the Department of Housing and Urban Development - HUD)

Charlie and Indica, Thank you both for the amazing work you did on our loan. We are in deep gratitude and we love our new home! Sincerely, Jesse and Greg, Rocklin

"I will never forget how you kept the commitments that you made to me and my family all through the process of making our refinance a reality.  We felt like we were dealing with a close friend, because we found we could count on you to be available to honestly answer our questions and concerns on an as needed basis.  It has been refreshing to find a business with such high standards and integrity.  Good luck to you in your future!! I would just like to finish by saying I am totally honored to do business with you because you have shown so much integrity in standing behind all of the promises that were made. Working with you has been definitely uplifting." Carole, Newark

"Professional, courteous, excellent follow up. Like taking a step back into the past where customer service was something of value." David and Phyllis, Castro Valley

"I have worked with many mortgage professionals over the past 30 years. The experience with your team was by far the best. I will gladly return for future business and recommend you to my friends. Thanks for the great service." Richard, San Jose

"It is hard to put into words how grateful we are to you but I do want you to understand that we know that this wouldn’t have been possible without your time, effort, and concern for our future. You are an awesome company and I hope in the future there will be some way to be able to show our true appreciation for all that you have done. While this is a huge commitment, we are both beside ourselves in excitement. You are the greatest...thank you, thank you, thank you!!!" Mike, Novato

"You did everything so well! Thanks for your hard work and market expertise -- it means a lot to us to have solid professionals in our corner!" Margot, Novato 

"We really appreciate the work-ups you provided; they were excellent. The review of multiple scenarios really is educational and would make it easy to select a mortgage in an informed manner. We will keep your contact information; you can be sure we will use your services in the future.  I will also send along your contact info to my pals via email.  We were very impressed with the quality of your service and information." Mary, San Rafael

"Thank you for all your help and persistence in making my dream come true. I love my new home!" Toni, Vallejo

Incredible. very easy, what I wanted, friendly, All good, Thanks. We are a good testimonial for you." Bill and Jennifer, San Anselmo

"You are Awesome!! :-> Thanks EMG - I'll definitely recommend you to anyone who needs a loan!! Robin, Richmond

Thank you, thank you, thank you!! You were an absolute pleasure to work with and I will most definitely refer you to others!!! All the best, Trina, San Francisco

"This has been an amazing process - so easy. I appreciate all your work. " Katy, Napa

"Leonard and I are very happy to have gone through this process, and you/your office made this a painless exercise.  We had been prepared for something much worse!" Quiana, Berkeley

"Thanks so much! Another perfectly delightful transaction with you!" Mary, Lake Tahoe

"Thank you again for handling our loan with great efficiency and professionalism - we both really appreciate your super service." Jen and Russell, San Rafael

"You provided excellent financial service advice and solutions to accommodate a fast move from southern California to northern California. If ever there was someone who in crunch time can produce results, think outside the box, and do so with the utmost integrity and reliability, it's you. Thanks!" George, Tiburon

"You were the best loan people that I have ever had the opportunity to work with. And, even though I know that this is only business, character and relationship mean a lot to me - and you came across with integrity." Stefnie, Pasadena

"Lynn and I appreciate all your help on our refi. It was the most trouble-free refi we've ever experienced. I particularly like that you took the application over the phone. We will definitely recommend you to our friends." Neil, San Rafael

"I just wanted to take the time and commend your choice of employees. They are not only professional but have been very kind when I call them frantically with issues. Not to mention they often have gone way beyond the call of duty. They have really helped us get through this refi and I wanted you to know the fantastic job they have been doing. Thanks for your help. Babak and Mailana, Lafayette

"Thank you so much for your help (& that of all in your office). We were so pleased with the attention and response that your staff gave us during the insanity of purchasing a house! Lisa and Benjamin, Mill Valley

"We just wanted to give a warm heartfelt thank you to the family of EMG. The entire staff made our fist home buying experience wonderful. We appreciate all of the time and effort that went into making our dream turn into a reality. Thanks again! Sincerely, Joel and Kristy, Pleasanton

"We are situated in our new home in Novato in record time! Your company's timely and professional service made a big difference during the escrow process. We enjoyed working with you and appreciate your responsiveness and your excellent staff. Thank you!" Marty and Deanna, Novato

"I have been meaning to come by one morning to personally thank you and your team for the awesome job you did with our refinance. Everything you told us about the process was 100% correct! I will be sure to refer you to family and friends as you are truly the experts." Theresa, Benicia

"I don't normally write but I feel compelled to to let you know how grateful I am to you. You were so nice to spend so much time explaining stuff to us - and re-explaining again and again! You really made this happen for us. We appreciate all your hard work so much - even the work we can't possibly know you did. You are so good at your job and I'm glad we had you by our side. I'm telling everyone I know to use you." Liberty, Novato

"Alas, I wanted to thank you for making my refinance such a pleasant experience. It was short and sweet; thanks for clearly explaining all my options so that I could make the best decision for me and my future goals. You and your professional staff are to be commended and, with first-hand experience, I will gladly recommend you to my clients." Desiree, Oakland

"You have been extremely responsive and helpful to us and we appreciate your patience and hard work in addressing these few remaining concerns. Both Ann and I greatly appreciate your patience, hard work, and assistance in working with us to obtain a mortgage loan for the Belle Terre property. Thank you again for all your efforts." Thomas and Ann, Novato

"Thank you for including me in your newsletter mailing. Great information! It was so much fun to meet you the other day - and what a fantastic gift! You know I crave my new toolkit! What a keen thing and how sweet of you to give it to me. I'll keep your cards on hand and will definitely recommend you to others! Best wishes!" Lyn, San Rafael

"This is my third home purchase and this has been the best experience by far. The work you did with me to improve my credit scores was fantastic! I calculated my savings, as a result of the credit score work, and you saved me $73,125! Thank you very, very much." Vince, San Francisco

"Thanks for all your help. You were great to work with and a true professional. I will be back in a few years to refi, so keep me in your files! I will send people your way if anyone I know is interested in a first time home loan or re-if. Thanks" Nick, Novato

"You guys were the best. We've done a lot of these transactions and NEVER has it been so smooth. Unlike the other deals we've done, there was no bull and no surprises throughout the entire process. You guys are absolutely the best." Lisa & Brad, Concord 

"We have really appreciated working with you. In the many years we have been homeowners we have never had an experience even as remotely positive as the one we had with you. Your customer service rates A-1. The older I get, the more I appreciate being treated with respect and concern. Rest assured that we will recommend you to anyone we know who is seeking a loan. Thank you." Sue, Union City

"EMG, just a quick note to say thanks for your efforts on our new home purchase in San Rafael. You are making the move so simple." George and Cynthia, Novato

"We just wanted to say thank you from both of us to all of you.  You and your entire staff made it happen and it was quite remarkable.  We are in our new home by the bay in Vallejo.....and it is better than we ever expected.  We absolutely love it!.  Thanks again for all the hard work. Take care and God bless." Michelle and Jim, Vallejo
 
"You were great. This was the easiest escrow we have ever had!" Stella, Novato

"You made this a very simple process. Our calls were always returned or answered - even in the busy environment that must exist now. Thanks." Ed, Mill Valley
 
"Just a quick note to say thanks to you and your staff for taking care of our refinance and purchase. I appreciate how smoothly the process went. I've already passed on your contact information to friends, so you may hear from them soon. Cheers." Sudha, San Rafael
 
"Thank you, thank you, thank you...you saved us with the fastest home equity line in history - that was everything we wished for. Please enjoy an Omaha Steaks cookout as part of our thanks while we search for home-buying friends to send your way" Joce and Bob, Lafayette
 
"You did a fantastic job on the analysis. Thank you...If we need a loan in the future, I will definitely keep you in mind. Thanks so much for your prompt and professional work." Carmen, North Bay
 
"Thank you so much for all you did for us. You have taken a lot of stress out of our lives!"Kaela and Tim, Belmont
 
"The EMG team was professional, knowledgeable, and responsive to our needs.  I will refer them to my family and friends without hesitation." John and Denise, Petaluma

"You are bright, friendly and resourceful.  You made our lives easier as we made our way through the loan process."Jeffrey and Dianne, Mill Valley