Contact Claire Haggarty

(650) 678-0571
  • NBT Home Loans <br/> A Division of NBT Realty Serv slide #1
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Become a HomeownerGet pre-qualified for your new home.

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Refinance your MortgageSave hundreds on your monthly payments

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Whether you are a borrower or a Realtor® with a client who needs a home loan, the home loan process should be a positive experience. You deserve the benefits of an independent licensed mortgage broker who will:

  • Communicate Clearly
  • Respond quickly to your questions and needs
  • Follow through on all details
  • Has expert knowledege
  • Is Trustworthy and Honest 

With 40 + years of industry experience, I’ll provide you with the honest advice and personal service you deserve along with the ease of state of the art electronic support.

We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.

Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate some of your different financing options by using our interactive calculators and going over various mortgage scenarios. However, other options not displayed in the on-line calculator may actually be better for you - such as our lender paid alterntive to traditional MI for some loans. Call me to find out what is best for you and your goals.

 

Recent Articles

Jan
28
2026
Refinancing Isn’t Just About the Rate — It’s About Your Options
When most homeowners hear the word refinance, they immediately think one thing: getting a lower interest rate. While that can certainly be part of the picture, it’s far from the whole story. In reality, refinancing is less about chasing rates and more about using your mortgage as a...
Jan
19
2026
BIG NEWS: Mortgage Rates Are at Their Lowest Level in Years—What That Means for You
If you’ve been waiting for the right moment to buy a home, this could be the sign you’ve been looking for. Mortgage rates have recently dropped to their lowest level in nearly three years, creating a rare window of opportunity for homebuyers. After a long stretch of higher...
Jan
12
2026
Lock-in Effect: Something big just happened in the U.S. Housing Market
For the past few years, one phrase has dominated housing market conversations: the mortgage rate lock-in effect. Millions of homeowners secured ultra-low mortgage rates below 3% during the pandemic, creating a powerful disincentive to sell. Why give up a once-in-a-lifetime rate and...
Dec
30
2025
Holiday Week Catch-Up: Mortgage Rates Hover Near 2-Month Lows
If the mortgage market felt unusually quiet over the holiday stretch, that’s because it was. The final weeks of December are known for “holiday trading,” which is when fewer people are actively buying and selling in the bond market. Since mortgage rates are driven by...

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