I am 53 years old. I have been a mortgage Broker/Mortgage Banker for over 22 years serving clients mainly in Los Angeles County, as well as surrounding counties, like Orange, Ventura, San Bernardino , and Riverside. These are all within driving distance for me. I have arranged loans statewide in California. As a mortgage banker/ mortgage broker, I have access to over 20 different direct Wholesale lenders, some of these lenders would not be available to you if you went straight to one bank.

Pricing can be much different between one lender and the next these days. I will place your loan with the best lender for your situation. The main challenge is to place you with a lender that will fund the deal. Once I know we have a lender in place, then I'll try to Arrange your purchase or refinance loan for no points and no cost, which is was possible with 30 year fixed rates in the high 4% range.

I have an expert team, specializing in solving the daily problems that occur in the mortgage loan process. The business has become ultra conservative as a result of sweeping government regulation to clean up the Mortgage industry. Nonetheless, people who qualify, are still being refinanced, and buying homes. FHA loans can be used to purchase a home with 3.5% down and lender rebates can pay some of the buyers closing costs. You'll have to fully document your file, in almost all cases, .One Lender offers Alternative Documentation up to 80% Loan To Value to for loan amounts up to $417,000. 75% LTV up to $625,500. 70% LTV up to $1,000,000. 60% LTV to $1.5 Million. This type of financing may work for certain self employed borrowers.

Please call or email to talk about your Mortgage Loan Situation.

[email protected] 310 433 1703