805-701-5118
805-701-5118
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We offer a variety of loan application options, including a Quick Application, a Standard Application, and a 5 Step Application. Click here to get started!
nullHello, I have been in the mortgage industry since 1981. Starting from the ground floor and then working my way up the ladder. In doing so, I am able to communicate tough situations with investors and find creative solutions. I focus on not only the transaction in front of me with my clients, but also the overall goals they wish to reach.
It isn’t always about refinancing. Sometimes it’s just adjusting what is already present. I have successfully closed simple home-equity lines, also known as 2nd trust deeds and Lines of Credit, to multi-million dollar commercial transactions. The more challenging the situation the more I shine. We all have our talents and what we enjoy doing the best. My talent and what I love to do, is helping others reach their goals and understand the game plan from the beginning to the end. Purchases, refinance, residential owner-occupied, investment properties of all kinds.
If you are seeking knowledge, and want your loan done correctly, contact me today. Let’s start a conversation.
Refinancing a home mortgage can be a big decision for many homeowners. Your situation and needs change over time so why shouldn't your mortgage?
Conventional loans have better rates, terms and/or lower fees than other types of loans, ideal for borrowers with excellent credit and at least a 5% down payment.
Insured by the Federal Housing Administration, FHA loans are best for first-time home buyers and those who less than perfect credit looking to qualify for a mortgage.