We are a full service California mortgage brokerage specializing in the residential real estate market. There are many benefits to working with us as opposed to going to a bank for a real estate loan. First and foremost, mortgage lending is all we do. It is our specialty, it is our focus, and it is what we are good at. Additionally, we are on YOUR side. We want you to get the best deal, not the bank. We gain an advantage by working with many different lenders in all categories of the market. This ensures that you are getting the best possible rate and product available for your situation. We can also guarantee personal attention to each client assuring that your specific needs are addressed and met. This is our promise to you.
What We Offer
Fixed-Rate Home Loans
The most common home loan is the traditional fixed-rate mortgage. This type of loan generally carries a higher interest rate than a variable rate mortgage because it offers you the security of knowing exactly what your payments will be for the long term. Fixed-rate loans are typically amortized over 30, 20 or 15 years. If you prefer the stability of knowing and planning exactly how much you will pay each month, this type of loan is best suited for you.
Adjustable Rate Home Loans
In recent years, the Adjustable Rate Mortgage (ARM) has become very popular because of its low initial interest rate. Due to the lower payments, this loan allows the buyer to qualify for a more expensive home. The interest rate for an ARM loan is tied to a published rate called an index. This interest rate rises and falls depending on the index. Accordingly, your monthly payments will increase or decrease. Traditional ARM interest rates are typically fixed for one, three, five and seven year increments.
Interest Only Loans
Historically, Interest Only loans were reserved for affluent private banking clients. Today these programs are available to a much broader clientele and have the benefit of allowing the client to decide what and when principal is repaid. This program results in lower monthly payments and the ability to qualify for a more expensive home.
Home Construction / Lot Loans
While construction and land financing has almost entirely dried up, we are still funding these and other difficult scenarios through private money sources. Call to find out what you might qualify for.