# My Mortgage Ally > Your Home. Your Future. Your Ally. ## Pages - [Blog](https://mymortgageally.com/blog/): Mortgage tips, loan guides and East Bay housing insights from Eric Rotner. Clear answers on rates, refinancing, first-time buying and non-QM loans. - [Rate and Term](https://mymortgageally.com/refinance/rate-and-term/): Lower your rate or shorten your term with a rate-and-term refinance from Eric Rotner. Conventional, FHA, VA, and jumbo options for Contra Costa County homeowners. - [Mortgage Broker Moraga](https://mymortgageally.com/areas-we-serve/mortgage-broker-moraga-ca/): Eric Rotner of My Mortgage Ally is a mortgage broker serving Moraga, CA. Jumbo and move-up loans near St. Mary's College and Rheem Center. Book a call. - [Cash Out Refinance](https://mymortgageally.com/refinance/cash-out/): Turn home equity into cash with a cash-out refinance from Eric Rotner. Conventional, FHA, VA, jumbo, and non-QM options for Walnut Creek and Contra Costa County homeowners. - [FHA Loan](https://mymortgageally.com/home-loans/fha-loan/) - [Mortgage Broker Orinda, CA](https://mymortgageally.com/areas-we-serve/mortgage-broker-orinda-ca/): Eric Rotner of My Mortgage Ally is a mortgage broker serving Orinda, CA. Jumbo loans near the Orinda Theatre and top-rated schools. Book a call. - [Mortgage Broker Alamo, CA](https://mymortgageally.com/areas-we-serve/mortgage-broker-alamo-ca/): Eric Rotner of My Mortgage Ally is a mortgage broker serving Alamo, CA. Jumbo loans for Round Hill and Alamo estate buyers. Book a call with Eric. - [Mortgage Broker Martinez , CA](https://mymortgageally.com/areas-we-serve/mortgage-broker-martinez-ca/): Eric Rotner of My Mortgage Ally is a mortgage broker serving Martinez, CA. FHA and first-time buyer loans near downtown and the marina. Book a call. - [Mortgage Glossary](https://mymortgageally.com/resources/mortgage-glossary/): Plain-English definitions for 50+ mortgage terms, from APR and escrow to DSCR and bank statement loans. A free resource from My Mortgage Ally. - [Mortgage Broker Livermore , CA](https://mymortgageally.com/areas-we-serve/mortgage-broker-livermore-ca/): Eric Rotner of My Mortgage Ally is a mortgage broker serving Livermore, CA. Loans for every price point, from starter homes to wine country. Book a call. - [Mortgage Broker Pleasanton, CA](https://mymortgageally.com/areas-we-serve/mortgage-broker-pleasanton-ca/): Eric Rotner of My Mortgage Ally is a mortgage broker serving Pleasanton, CA. Jumbo and self-employed loans for the Tri-Valley. Book a call with Eric. - [Eric Rotner](https://mymortgageally.com/eric-rotner-2/) - [Licensing and Disclosures](https://mymortgageally.com/licensing-disclosures/) - [FAQ](https://mymortgageally.com/faq/): Have questions about home financing? Get clear answers on pre-approval, loan timelines, refinancing options, and specialized non-QM loan programs. - [Locations](https://mymortgageally.com/locations/) - [Resources](https://mymortgageally.com/resources/) - [Mortgage Broker Walnut Creek, CA](https://mymortgageally.com/areas-we-serve/mortgage-broker-walnut-creek-ca/): Buying in Walnut Creek near Downtown or Rossmoor? Get fast pre-approval & expert guidance. Call Eric Rotner today. - [Mortgage Broker Danville CA](https://mymortgageally.com/areas-we-serve/mortgage-broker-danville-ca/): Buying in Danville near Blackhawk? Get expert jumbo loan guidance and fast approvals. Call today. - [Mortgage Broker San Ramon, CA](https://mymortgageally.com/areas-we-serve/mortgage-broker-san-ramon-ca/): Buying in San Ramon near Dougherty Valley? Get pre-approved fast and compete confidently. Start now. - [Mortgage Broker Lafayette, CA](https://mymortgageally.com/areas-we-serve/mortgage-broker-lafayette-ca/): Buying in Lafayette near Burton Valley? Get expert mortgage guidance and fast approvals. Call today. - [Areas We Serve](https://mymortgageally.com/areas-we-serve/) - [Mortgage Broker Concord, CA](https://mymortgageally.com/areas-we-serve/mortgage-broker-concord-ca/): Buying in Concord near Todos Santos Plaza? Get pre-approved fast with a local mortgage expert. Start today. - [Mortgage Broker Pleasant Hill, CA](https://mymortgageally.com/areas-we-serve/mortgage-broker-pleasant-hill-ca/) - [First Time Buyer](https://mymortgageally.com/home-loans/first-time-buyer/) - [Non-Traditional Mortgages](https://mymortgageally.com/non-traditional-mortgages/) - [Assumptions](https://mymortgageally.com/assumptions/): At Mortgage Ally, we believe that transparency is key. The secondary market dictates the majority how your rates and fees... - [Mortgage Calculator](https://mymortgageally.com/resources/mortgage-calculator/) - [Affordability Calculator](https://mymortgageally.com/resources/affordability-calculator/) - [Home Loans](https://mymortgageally.com/home-loans/) - [Schedule a call](https://mymortgageally.com/schedule-a-call/) - [Get a rate quote](https://mymortgageally.com/get-a-rate-quote/) - [Contact](https://mymortgageally.com/contact/) - [Terms of Service](https://mymortgageally.com/terms-conditions/): These Terms of Service govern your use of the website located at https://mymortgageally. com/ and any related services provided by... - [Privacy Policy](https://mymortgageally.com/privacy-policy/): Your privacy is important to us. It is Mymortgageally. com’s policy to respect your privacy and comply with any applicable... - [Cookie Policy](https://mymortgageally.com/cookies/): We use cookies to help improve your experience of our website at https://mymortgageally. com/. This cookie policy is part of... - [Refinance](https://mymortgageally.com/refinance/) - [Process Overview](https://mymortgageally.com/process-overview/) - [About Us](https://mymortgageally.com/about/): Learn who we are at My Mortgage Ally — trusted mortgage pros delivering personalized loan guidance, expert support, and tailored home financing solutions. - [Reviews](https://mymortgageally.com/reviews/) - [Homepage](https://mymortgageally.com/): Get expert mortgage guidance, competitive rates and personalized home loan options. Fast quotes, no credit impact, stress-free process. # # Detailed Content ## Pages At Mortgage Ally, we believe that transparency is key. The secondary market dictates the majority how your rates and fees are determined. To put it plainly, it is extremely difficult to just give someone a rate (no matter how much we want to). However, it is also important to our clients to see where things are at a glance. While some other companies will just throw out their best situation as a blanket rate, manipulate you into clicking on it, and then bury a disclaimer at the bottom of a page, we are different. We have dedicated an entire page to both being transparent on the main rates advertised on our page, but also to hopefully educate you on how things can affect the rate offered. Find below the three scenarios advertised, the exact terms behind the advertisement, and why they are advertised. If you know that your situation is different, then we strongly encourage you to click here for a personalized quote. 30 Year Fixed The rate advertised is based on a 30-day rate lock for the purchase of a $600,000 single-family detached residence in Bucks County, Pennsylvania that appraises for $600,000 for a hypothetical client with a 780 qualifying FICO (credit) score who is borrowing $360,000 on a conventional, 30-year, fixed-rate mortgage, who owns no other properties, and who is escrowing their property tax and insurance payments. Given the current rate environment, most conventional borrowers are putting more down and have generally higher FICO scores. However, that does... These Terms of Service govern your use of the website located at https://mymortgageally. com/ and any related services provided by Mymortgageally. com. By accessing https://mymortgageally. com/, you agree to abide by these Terms of Service and to comply with all applicable laws and regulations. If you do not agree with these Terms of Service, you are prohibited from using or accessing this website or using any other services provided by Mymortgageally. com. We, Mymortgageally. com, reserve the right to review and amend any of these Terms of Service at our sole discretion. Upon doing so, we will update this page. Any changes to these Terms of Service will take effect immediately from the date of publication. These Terms of Service were last updated on January 8 2025. Limitations of Use By using this website, you warrant on behalf of yourself, your users, and other parties you represent that you will not: modify, copy, prepare derivative works of, decompile, or reverse engineer any materials and software contained on this website; remove any copyright or other proprietary notations from any materials and software on this website; transfer the materials to another person or “mirror” the materials on any other server; knowingly or negligently use this website or any of its associated services in a way that abuses or disrupts our networks or any other service Mymortgageally. com provides; use this website or its associated services to transmit or publish any harassing, indecent, obscene, fraudulent, or unlawful material; use this website or its... Your privacy is important to us. It is Mymortgageally. com's policy to respect your privacy and comply with any applicable law and regulation regarding any personal information we may collect about you, including across our website, https://mymortgageally. com/, and other sites we own and operate. Personal information is any information about you which can be used to identify you. This includes information about you as a person (such as name, address, and date of birth), your devices, payment details, and even information about how you use a website or online service. In the event our site contains links to third-party sites and services, please be aware that those sites and services have their own privacy policies. After following a link to any third-party content, you should read their posted privacy policy information about how they collect and use personal information. This Privacy Policy does not apply to any of your activities after you leave our site. This policy is effective as of January 8 2025. Last updated: January 8 2025 Information We Collect Information we collect falls into one of two categories: “voluntarily provided” information and “automatically collected” information. “Voluntarily provided” information refers to any information you knowingly and actively provide us when using or participating in any of our services and promotions. “Automatically collected” information refers to any information automatically sent by your devices in the course of accessing our products and services. Log Data When you visit our website, our servers may automatically log the standard data provided... We use cookies to help improve your experience of our website at https://mymortgageally. com/. This cookie policy is part of Mymortgageally. com's privacy policy. It covers the use of cookies between your device and our site. We also provide basic information on third-party services we may use, who may also use cookies as part of their service. This policy does not cover their cookies. If you don’t wish to accept cookies from us, you should instruct your browser to refuse cookies from https://mymortgageally. com/. In such a case, we may be unable to provide you with some of your desired content and services. What is a cookie? A cookie is a small piece of data that a website stores on your device when you visit. It typically contains information about the website itself, a unique identifier that allows the site to recognize your web browser when you return, additional data that serves the cookie’s purpose, and the lifespan of the cookie itself. Cookies are used to enable certain features (e. g. logging in), track site usage (e. g. analytics), store your user settings (e. g. time zone, notification preferences), and to personalize your content (e. g. advertising, language). Cookies set by the website you are visiting are usually referred to as first-party cookies. They typically only track your activity on that particular site. Cookies set by other sites and companies (i. e. third parties) are called third-party cookies They can be used to track you on other websites that use...