Daily Mortgage Gazette

My name is Daniel A. Sosa with PMZ Home Loans. I am a lifelong resident of Stockton graduating from both Lincoln High School and The University of the Pacific with a Bachelors Degree in Education. I began by professional career as an Adult Ed Teacher for Stockton’s School for Adults.

After five years of teaching, I made the decision to resign and pursue mortgage lending fulltime. Although this decision was difficult at first, I have become very passionate and excited about the milestones that I have attained thus far, and the future successes that I know will follow. It is comforting to know that although I am no longer teaching, each day brings on a new challenge with greater variety. More importantly, I still have the ability to help people just as I did before in the classroom.

It truly has been my privilege of serving the needs of individuals within this region with total commitment to the highest standards of integrity and client care. For most people, buying, selling, and or refinancing a home is the single largest financial transaction they will make in their lifetime, one that demands the hands-on involvement of a dedicated mortgage professional. You deserve no less and I offer much more.

My mission is to simplify the purchase and or refinance process and to deliver an unrivaled experience to every one of my customers. I believe that accuracy, integrity, honesty, excellent communication, and delivering on what is promised are the key components in making you my next satisified customer.

I relaize that success would not be mine in part…without you, my family, my past clients, my friends, and long time supporters. Please remember that the highest compliment that you can give me is a call if and when you are ready to purchase and or refinance a home, or to even refer your own friends, family and or business associates.

Sincerely and respectfully,

Daniel A. Sosa

PMZ Mortgage Consultant

Office: 209-472-2010 x4716

Cell: 209-298-8017

Email: dsosa@pmzloans.com

Website: www.loanapproval411.com

My name is Tony Frerking with PMZ Home Loans.  Unlike a traditional loan officer, I teach my clients how to successfully manage the largest asset and the largest debt in their life: their home.  I have a fiduciary responsibility to help you efficiently manage that debt and will do so by positioning your mortgage as a powerful tool in your financial plan, one that is integrated into your long and short-term financial and investment objectives.  I can show you how to successfully manage your home equity to increase liquidity, safety and rate of return, while minimizing taxes and improving cash flow.  I can help you reach your retirement goals safer and faster.

I am committed to helping you make informed choices about your financing options when buying a home.  There are many different ways to finance a home; to find the best option for your unique situation we must take your financial goals, as well as your payment and saving objectives, into consideration.  I will work with you to outline your goals, analyze your current purchasing power, and then recommend several different strategies that will enable you to achieve those goals.

“Your Partner In Success!”

Tony Frerking

Direct: 209-404-2200

Email: tfrerking@pmzloans.com

Website: www.loanapproval411.com