A Mortgage Broker
We are not tied to one lender. We work with multiple wholesale lenders, so we can compare rates, programs and guidelines and look for the solution that best fits your situation, not just the one product a single bank offers.
California Mortgage Broker & Consultant
Your Mortgage Broker and Your Mortgage Consultant.
As a broker we shop multiple wholesale lenders for you. As a consultant we help you understand your options and choose with confidence, whether you are buying your first home, refinancing, investing, or planning for retirement.
Two Advantages in One
A Mortgage Consultant
We take a personal, educational approach. We explain your options in plain English, walk through the trade-offs, and help you make an informed decision, for first-time buyers, current homeowners, investors and retirees alike.
For homeowners 62 and over
Could You Reduce or Eliminate Your Monthly Mortgage Payment in Retirement?
For some homeowners, using home equity wisely can ease monthly cash flow so retirement savings and investments are not the only source of housing costs. The right answer depends on your age, home, finances and goals. We help you explore it as a decision, not a sales pitch.
Who We Help
- First-time home buyers
- Existing homeowners looking to refinance
- Real estate investors
- Self-employed borrowers
- Retirees and Baby Boomers planning to downsize
Loan Programs
Reverse Mortgage (HECM)
For homeowners 62+, a way to turn home equity into tax-free proceeds with no required monthly mortgage payment, while you stay in your home.
Learn more →HECM for Purchase
Buy a new, often smaller or easier-to-manage home using a reverse mortgage with a larger down payment, and no required monthly mortgage payment afterward.
Learn more →Home Purchase
Conventional, FHA, VA and USDA loans, with options for first-time buyers and low down payments.
Rate & Term Refinance
Replace your current loan to change your interest rate, loan term or loan type.
Cash-Out Refinance
Use your home equity for renovations, debt consolidation or other goals with a new first mortgage.
Home Equity (HELOC / Second Mortgage)
Keep your current first mortgage and borrow against your equity with a second loan or line of credit.
How It Works
- Talk to usA free, no-obligation conversation about your goals.
- Compare optionsWe shop lenders and programs and explain the trade-offs.
- Apply securelyComplete your application and upload documents online.
- CloseWe coordinate with all parties through funding.
What Clients Say
Rosemary Franco is the best. Thanks to her we have a home. She made everything possible.
Rosemary was great to work with. We've refinanced many times in the last 30 years, and this was by far the easiest and least stressful process of them all!
Let's Talk About Your Goals
Tell us a little about what you are looking for and we will follow up personally. There is no cost and no obligation.
Prefer to talk now?
(562) 773-6233
[email protected]