We are a full service mortgage broker company with offices based in Southern California. Whether you are in the market to purchase a new home or refinance your current home, we are here to help. We are licensed to service all of California. Want to know more about the benefits of working with a mortgage broker? Click here for more info.
We specialize in Conventional (both conforming and jumbo), FHA and VA loans. We also offer numerous portfolio loan products, including loan programs for undocumented ITIN borrowers. Contact us so we can discuss the best loan program for your current situation.
Chose from a variety of 30, 25, 20, 15 or 10 year fixed rate conventional loans products with competitive interest rates. While most people believe conventional loans require a minimum 10% down payment, that is not the case. Some conventional loan products offer a down payment as low as 3% for first-time qualified buyers with a 640 FICO or higher. We offer numerous conventional loan products to fit your needs.
The loans are federally insured and offer more flexibility to borrowers who may not qualify for a conventional loan. You can purchase a home with as little as 3.5% down payment with FHA. This loan product is ideal for many first-time home buyers and those with less than perfect credit. FHA loans will have mortgage insurance included in your monthly payment. Borrowers with a FICO score as low as 580 can be qualified.
The Veterans Administration (VA) offers loans to qualified active duty, veteran and surviving spouses to purchase a home. VA loans come with many benefits including low or no down payment, mortgage insurance not required and borrowers with a FICO score of 580 can be qualified. If you're not sure if your time of service qualifies you for a VA loan, contact us and we can assist you in finding that information.
Recently out of foreclosure or short sale? Or maybe you have an ITIN? Are you a foreign national? No matter what your circumstance, we have loan products for those who may not be eligible for a conventional or FHA loan. Contact us for all the details.
Socorro Villa, Broker
With over 20 years of experience in real estate, Socorro is well equipped to assist you and your family with your real estate and home loan needs. Her love of people and helping families acheive their financial and homeownership dreams is what drives our customer focused business.
Jose Gutierrez, Senior Loan Processor
Jose will guide with you through the process and assist our clients. He has worked in real estate and lending since 1997 and has the skills needed to move your loan though the approval and closing processes. His excellent customer service and vast experience make him an invaluable member of our team.