Derek Couture — ABLE Mortgage

Derek Couture
Mortgage Broker, ABLE Mortgage
Serving Temecula and the surrounding valley

Derek works the broker side of the aisle, which means your file isn't stuck with one lender's rate sheet. A retail loan officer sells what their employer happens to stock. A broker shops your scenario around and brings back what actually fits it, and for buyers collecting quotes that difference tends to surface in the rate, the fees, or both. His loans are powered by New American Funding (NMLS 6066), so the local handshake comes with national underwriting muscle standing behind it.

What the Broker Model Changes

• One application, more than one lender. Your scenario gets shopped instead of squeezed into the only product on the shelf.
• Pricing is compared, not presented. Rate and fees get weighed side by side rather than handed to you as a single take-it-or-leave-it quote.
• The relationship stays local. You are talking to someone in Temecula, not a call center queue three time zones away.

One Word Before You Wire Anything

Wire fraud happens all the time in real estate. Never wire funds because an email told you to. Look hard at the sender's address, then call escrow at a number you already had and confirm the instructions out loud before a single dollar moves.

That is Derek's standing warning to every client, and it is the rare piece of mortgage advice worth reading twice.