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   Welcome to the most helpful mortgage site on the Internet.
  You can get information lots of places on the Internet. This is the place you can get WISDOM. Learn how to analyze and evaluate that information. You'll discover unique tips, tricks, and strategies which have helped over 25,000 people save millions of dollars. I can help you too if you want to get the lowest cost mortgage of anyone on your block, saving you thousands of dollars over what your less well educated neighbors pay.
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    I was quoted in a Forbes magazine article about mortgage brokers. Click here.
  Apply for a Mortgage

I have done over 4,500 loans in my career. That's a lot!!! Those people contributed to our continuing success us because WE GOT THEM A BETTER DEAL!!! We can do the same for you. If you live in California or Idaho and are interested in getting a mortgage, we'd be happy to help you. Click here to apply.

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Honesty and integrity are the two most important things to find in a lender. Find that and everything else will work out allright. I am proud to be an Upfront Mortgage Broker . Check out my pledge.

    To find out more about Upfront Mortgage Brokers , click on the logo above.
  Check out my new educational website, The Savvy Borrower
    I write a weekly article about mortgages and real estate for a chain of over 50 newspapers. Dozens of useful articles are archived at this site.  You can subscribe to future articles for free.
  Get my Book About How to Use the InternetInternet
    My book How To Find A Home And Get A Mortgage is sold out in bookstores.  I have some copies available. Learn more about the book and order it on-line.
  #1 Best Selling Mortgage Book
    If you could get mortgage advice from the President of Fannie Mae,
would you take it? A former President said this book "...should be required reading." Learn more about How to Save Thousands of Dollars on Your Home Mortgage and order it on-line.
    If you want a better deal, you need to start by helping yourself, like by getting educated about mortgages. We have the web's best and most unique collection of tips, tricks, insider secrets, and ideas that can save you thousands of dollars.
  Readers Only
    If you are one of the readers who have made my books best sellers, THANK YOU! As a reader, you are entitled to download Mortgage Wizard, all of the worksheets you saw in the book, and to have your questions answered.
    You can download two industry standard forms, the Loan Application and the Appraisal form.
    Here is a collection of books on real estate and financial planning which I think should be on the shelf of every homeowner.
    Here is a collection of errors I have seen borrowers make. Listen and learn. Forewarned is forearmed.
    You have your favorite websites. Here are some of mine. Some are financial and will really help you, some are of general interest, and some are whimsical, like views of the earth from different satellites. Awesome! Check them out, and let me know if you like them.
    The mortgage industry has probably earned most of the awards for insensitivity and customer unfriendliness. Here are a few pages of cartoons that poke fun at us. Enjoy!

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Randy Johnson Independence Mortgage Company
(949)-852-8822 Fax (949)-852-0441 Updated 4/8/2015
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