Standard Loans
These are residential loans for one to four unit properties. In 2016 the maximum loan amount is $417,000 on a single unit property.
High Balance Loans
These are residential loans for one to four unit properties. In Los Angeles and Orange County the minimum loan amount is $417,001 and maximum loan amount is $625,500 on a single unit property. This category applies only in high cost areas.
Jumbo Loans
These are residential loans for one to four unit properties. This category of loans will range from $417,0001 up to $3,000,000.
Portfolio Loans Loans
Loans for residential properties that do not conform to government agency guidelines. This allows the each bank to make their own guidelines.

A customer working with a bank or credit union will obtain retail rates. We obtain wholesale rates which enable us to offer rates below most retail banks and credit unions. We are offer extremely low rates. We offer “no-fees” and “closing cost assistance” programs.
We are able to provide better rates and fees than most credit union and banks.

I have a vast amount of knowledge and experience with Short Sales, Bank Owned Properties, Flips, Property upgrades and many more complex transactions. I have a strong understanding of guidelines, restrictions, and experience working on complex transactions.
When buying a home, most buyers have only 21 days to remove their loan contingencies and you don’t want to spend those valuable days reapplying with different banks. Avoid an unpleasant and stressful experience during your home purchase. Experience matters.
It’s not that I can’t make mistakes, however I did most of them at the beginning of my career. In other words, the learning curve will not be at your expense.

The best time to reach our loan officers are between 8am to 5pm. Outside of that time you can text or email your loan officer in the evenings or weekends.

Each bank will have different income, asset, property and credit guidelines. Some banks are lenient on credit but stricter on the property; while the next bank may be tougher on assets and easier on income requirements. This is why sometimes a buyer may get a declined at one bank but approved with another.
When buyers are putting a smaller down it’s extremely important to know which banks will permit the buyers and property circumstance(s). An example would be having a perfect qualifying buyer but the property is a flip transaction or bank owned property.
Not all banks will do purchase loans. If they do each will have different restrictions. Retail banks are often the strictest.

We have been in the mortgage industry for over 24 years. We have a deep understanding of the craft because we have been originating mortgage loans since the early 90’s. We served as a coach and trainer for loan officers and underwriters for nearly 10 years. We are responsible for developing the training and curriculum for new employees with my former company.
You will find that we can give you answers to most loan questions on the spot. You will rarely hear “let me ask my underwriter”. We keep up with the changing trends and changes of our industry. We have the experience, knowledge, and resources to make the buying or selling experience a smoother experience.
We offer a Money Back Guarantee which is extremely rare for lenders.