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We are a full service mortgage broker company 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? We shop multiple lenders to match our clients with the product that is perfect for them. Plus, brokers make the loan prequalification and approval process faster, easier and cheaper for our borrowers. Brokers are better!  Click here for more info. 

We specialize in Conventional (both conforming, high balance and jumbo), FHA and VA loans. We also offer numerous portfolio loan products, including loan programs for undocumented ITIN borrowers, bank statement loans, etc. Contact us so we can discuss the best loan program for your current situation. 


Conventional Loans

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. 

FHA Loans

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. 

VA Loans

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. 

Non-QM & Portfolio Loans

Recently out of foreclosure or short sale? Or maybe you have an ITIN? Are you a foreign national? Need a bank statement loan? No matter what your circumstance, we have non-QM and portfolio loan products for those who may not be eligible for a conventional or FHA loan. Contact us for all the details. 


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 the mid 90's and has the skills needed to move your loan though the approval and closing processes with ease.  His commitment to customer service and depth of experience make him an invaluable member of our team.  

Dionne Gutierrez, Broker 

Bringing her years of experience in higher education and patiently guiding students and their families with major financial decisions, Dionne is well versed in helping families when making one of, if not the biggest financial decision. She will listen closely in order to match with the right loan. The home buying process can at times be hard, confusing and overwhelming, but rest assured you have the best on your side, because Dionne will be with you every step of the way.

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