We'll show you all your options and opportunities.
Buying your first home is an exciting adventure. But as one of the greatest financial commitments you'll ever make, it can also be overwhelming. You need professional guidance to help you navigate through all the possibilities. We have the experience and inside industry knowledge first-time homebuyers need to ensure a hassle-free experience.
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We can tell you when it's right for you.
If you already own a home, you have a powerful option available to you— the ability to refinance your mortgage. You can refinance to a lower rate to save thousands of dollars over the life of your loan. Plus, refinancing gives you the ability to tap into your home's equity as a smart way to pay for a long-awaited home improvement, new car, or college tuition. Call us to discover your options. Read More |
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We make it as easy as 1-2-click!
To accommodate your busy schedule, we offer 3 fast and easy way to apply for a loan. Complete our Quick Application to start the process and we'll guide you through the rest. If you would like to fill out our Complete Loan Application and feel comfortable, your loan application can go even faster. Or feel free to call 800.865.6266 for quick, personal assistance. Apply Now or schedule an Instant Callback. |
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What is happening in todays marketplace.
In response to the “mortgage meltdown” in 2009, the Federal Government has tightened licensing requirements for all mortgage loan originators. By December 31, 2010, all loan officers will have passed a new National, as well as a new State Exam. These conditions are in addition to having a current license issued by the California Department of Real Estate and to the current continuing education requirement of 45 hours every four years. Real Estate Agents are exempt. Mortgage Originators must further undergo a criminal background check through NMLS, submit electronic finger prints, allow access to their personal credit report, and have paid all association fees. Once a loan originator has completed all these tasks then he/she will have a “MLO” designation which is short for Mortgage Loan Originator. By 2011, Mortgage Bankers and Mortgage Brokers will be the most educated loan originators in the marketplace! Bank loan officers are not subject to these strict requirements, as they are regulated by different federal and state laws-some of which require no experience,no licensing and no education. Banks have their own criteria when hiring “loan professionals”, so borrowers be aware of the benefits of working with an MLO Licensing Information
Licensed by the California Department of Real Estate, DRE #01174642 and by NMLS #79445 
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