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Welcome to our website

Frequently Asked Questions

What primary services do you offer?

Residential 1-4 unit property loans ...both conventions  and FHA/VA loan programs 

What do you specialize in?

Conventional ,government (FHA/VA),  First Time Homebuyer programs ,Alt -A loans and Reverse Mortgages

What are the rates of your services?

Rates and pricing changes every day, often times more than once per day depending on the volatility of the market. Rates and pricing also depend on credit score and loan to value.

What institutions do you do business with?

We have relationships with a variety of  Lenders  ...banks and mortgage banking companies.

Are you licensed and insured?

Yes . We are licensed in the State of California and carry Errors and Omissions insurance

What are your terms and conditions?

Terms and conditions depend on credit score , qualifying ability and the amount of down payment

Do you have No PMI loans?

We do have lender paid ( No PMI) programs

Do you offer no cost refinacing?

We do. One thing to be aware of is that there is no such thing as a "No Cost Refinance"...if  you do not pay costs then the interest rate will be higher.

Do you offer  stated income loans?

We offer stated income on investment properties under our Alt-A and Hard money products. On owner occupied loans we offer bank statement loans where we look at cash flow and will not require tax returns.

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