Absolute reliability. Absolute results.

That’s what you can expect when you work with the area’s largest independent home mortgage lender. At Absolute Mortgage Banking, our experts combine an in-depth knowledge of the local market with a national network of over 100 lenders to provide our clients with individualized mortgage solutions that truly meet their needs.

As the oldest mortgage bank in the area our personal knowledge of houses, values, neighborhoods, appraisers and lenders informs our every decision. In fact, we’re so much a part of the community that our loans have financed or refinanced approximately one out of every six homes in the Palo Alto area. Best of all, our extensive knowledge of the lending process means that the loan we promise to you is the loan you’ll get - at the time agreed on, with no added costs, rate changes, or last minute complications. That’s Absolute.

The People

The home loan team at Absolute Mortgage Banking is composed of experts in virtually every related field, including real estate brokerage, appraisal, title search, escrow and underwriting. This knowledge of homes and home lending allows us to ask the right questions and - based on your answers - offer solutions that truly meet your current situation, as well as your future plans and prospects. And because most of our team has been at this since 1992, we’ve developed the contacts, insights and experience it takes to deliver on every promise, every time.

But there’s more to the story. Beyond being the area’s most experienced mortgage banking team, our partners and employees are also your neighbors. In fact, we’re so much a part of the community that 50% of our more than $300 million worth of loans annually is repeat business. And nearly 100% of our clients are generated by word of mouth alone.

Because we’re locally managed and locally owned, you’ll see Absolute team members at your grocery store, your children’s school, and community meetings. There’s a good chance we already know your Realtor, your CPA and your neighborhood. In short, we’re committed to doing right by the community because we are the community.

The Products

With so many loan products on the market to choose from, it’s hard for a borrower to know them all - or to know which best suits his or her unique circumstances. That’s where AMB can help. As the area’s largest home lender, we represent virtually every major financial institution and nearly every home loan product in the country. We understand the pros and cons of each term and condition. And we’re happy to educate you on how seemingly small differences between loans can make a big difference in your finances.

Because of this in-depth knowledge, we’re able to present you with products, financing structures and options you may be unaware of. We even make many of our loans directly, out of our own pockets, allowing us the greatest possible flexibility in presenting solutions that are right for you. And, because we’re locally owned and managed, we can approve your loan right on the spot - no matter how large, or how small.

Among the many types of loans we offer are:
• Purchase Money Loans - to purchase your first home or move up to a larger one
• Refinance Loans - to refinance an existing home mortgage
• Home Improvement Loans – to renovate, update or expand your home
• Flex/Low Payment Loans - where low payments and cash flow are most important
• Home Equity Lines of Credit – that let you tap into the equity in your home
• Construction Loans - to build a new home
• Investment Loans - to acquire investment property

The Promise

At Absolute Mortgage Banking, we’re committed to providing you with the best possible lending solution for your unique financial needs. To identifying and resolving problems that may prevent you from getting the best rates and terms. To ensuring that you understand the differences, the advantages, and the trade-offs of every loan we recommend. To always being accessible and responsive to your questions, needs and concerns. To delivering exactly the loan agreed upon at exactly the time agreed - every single time. And to making your experience with us as painless, simple and successful as it can possibly be.