We Are Home Loan Specialists; Refinance, VA, FHA, Conventional, and Jumbo Mortgage

Interest rates are LOW! So now is great time to buy or refinance a home

    Get a FREE No-Obligation Consultation
    We are Mortgage Loan Specialists!

    Business Hours
    Monday-Friday 9:00 a.m.- 6:00 p.m.
    Saturday 9:00a.m.-1:00 p.m.
    (Pacific Time, Excluding Holidays)

    Now is a great time refinance or buy that home. Mortgage rates are still low, but they won't stay this way forever!

    You deserve a low mortgage rates and personalized service. Our relationship loan officers work with you for a smooth, trouble free mortgage lending experience.

    Refinancing a Mortgage

    Built on a a strong reputation as a refinance leader. You now have a great opportunity to access the equity in your home or get a lower interest rate, especially if your home value has risen or if interest rates drop. Refinancing can help you lower your monthly payments, reduce your total payment amount, consolidate debt or get cash out to put your home equity to good use. Whatever your purpose is to refinance, we’ll help you through the process from rate locking to signing.

    VA Loans

    Determine your eligibility status with a trusted VA Loan Lender. Only takes minutes to check $0 Down, No PMI and Low Interest Rates with a loan specialist.


    Acquire your home with little to nothing down! Or use our FHA Loan to cash out for debt consolidation and home improvements, or drop your payments with no appraisal or income qualifications. NO CLOSING COSTS AND NOTHING ADDED TO YOUR LOAN!

    *Terms and Conditions Apply. Call for Details.

    Cash-Out Refinance

    With a cash-out refinance your existing home loan is replaced with a new one at a higher loan amount than you owe and you receive any remaining funds to use as you wish. A cash-out refinance could be a great option to access your home’s equity. You can also access your home’s equity through a Home Equity Line of Credit by borrowing against your home’s equity through a revolving line of credit – call us to learn more about this option.

    Reduce Your Interest Rate

    Refinancing when mortgage interest rates fall may generate greater cash flow. You can either lower your monthly payment and maintain your current repayment term, or reduce your repayment term and pay a constant monthly payment.

    Pay Off Your Loan Faster

    If you want to pay off your home loan sooner and potentially reduce the overall cost of interest, refinance for a shorter loan term. This may enable you to pay off mortgage debt faster and focus on other major priorities, like college tuition and retirement. Typically you have a higher payment, but the repayment period will be less.
    Refinancing to lower your monthly payment may extend the number of monthly payments and/or the total amount paid when compared to your current situation.

    Call 714.912.2525 today to speak with a mortgage specialist or complete the form above for a free no-obligation consultation.

    Hear what our clients are saying about our service

    “I’ve had at least five home loans using this service over the years. They have the best rates and the people are so helpful.”

    - JD., Hayward


    Home loans subject to credit and property approval. Rates are subject to change without notice. See more information on available mortgage rates and terms or to calculate a monthly payment.

    All VA rules, guidelines and additional program requirements will apply. Except as provided by applicable VA guidelines, the same parties obligated on the original loan must be the parties on the title and obligated on the new loan. Proceeds from the new loan will only be used toward payment of the original loan amount. No cash back can be received from the new loan. Payment of discount points, taxes, insurance and HOA fees are the responsibility of the borrower. Other exclusions apply. Refinancing either to lower the monthly payment or change from a variable-rate to a fixed-rate loan could result in an increase in the total number of monthly payments and interest charges paid over the full term of the new loan.

    VA loans require a VA funding fee collected at closing. The fee varies with the amount of the down payment and is higher with no or low down payments. Maximum loan limits vary by county. The VA funding fee is nonrefundable.