Presenting our Motto Mortgage Team

Navid Ali

Broker Owner

NMLS #: 1964418

 DRE # 01142036


Dao Pham

Managing Partner 

NMLS #: 695667

DRE # 01516270


Jeffrey Becker

Operations Manager

NMLS #: 459785

Maria Brooks

Loan Consultant

NMLS #: 330190

DRE # 01220639


Do’s and don’ts of the mortgage process

Many times we find our clients are poorly positioned to qualify for a loan with the best possible rate. That’s why it’s vitally important to meet with a qualified, experienced Mortgage Broker before starting your home search.

Here are the steps to prepare yourself:

Make sure your employment, asset and personal information is correct on your loan

Be prepared to account for non payroll deposits into each account you plan to use
toward your transaction.

Respond to any requests from your loan officer promptly.

Do maintain your employment at your current job.

Don’t apply for any new credit or financing of any kind. Don’t co-sign on a loan, either.

Don’t have any inquiries made on your credit report.

Don’t raise red flags to the underwriters -such as co-signing on another person’s loan
or changing your name and address.

Don’t make changes to your name, address, job or income.

Don’t spend your closing costs.

Don’t apply for new credit of any kind.

Do keep all credit card accounts open.

Don’t MAX OUT or overcharge existing credit cards.

Do maintain your employment at your current job.

Don’t consolidate debt to one or two cards.

Do pay off collections, judgments, or tax liens reported within one year.

Don’t make any large purchases.

Do stay current on your existing accounts.

Don’t make any large deposits into any of your accounts.

Do call. We are here to help you through this process.

We Partner with the best in the business…

When it comes to buying or refinancing a home, it is nice to know that someone is looking out for your best interests. Realty ONE Group wants all of our clients to experience the best service. That is why we partner with the best in the business.

MOTTO MORTGAGE FUTURE is locally owned and operated. That’s why we understand the local real estate market and why we pride ourselves on being part of our vibrant community. You’ll get personalized service with the convenience of today’s digital mortgage solutions. Whether you prefer face-to-face conversations, in-depth phone calls, or purely digital communication, we’re here for you.

Unlike banks and mortgage lenders, our loan experts can compare a wide variety of potential mortgage options from many different sources. This creates a competitive market where lenders compete to earn your business – and only the most competitive rates and products survive. Our loan originators can shop hundreds of those competitive home loan options to find the ones that suit your needs. They’ll be like your very own mortgage personal-shopper.

Motto Mortgage Future Company. Equal Housing Lender. NMLS #2314234. Licensed by California Department of Real Estate.
All loans subject to underwriter approval. Terms and conditions may apply. Subject to change without notice. For more licensing information visit