Helping people realize their dream of homeownership through smart, thoughtful financing, and helping people to refinance to lower payments and terms.

I'm here to make sure you're guided trough the home Loan process with the utmost professional and ethical standards possible while delivering the smoothest and swiftest closing possible and while obtaining terrific value .

I work with several local real estate agents in Southern California of which I can refer to you that will help you in writing your new home purchase - always trust a professional.

• Conventional Loan Programs:

  Provide clients with traditional 30, 20, 15, 10, year fixed loans.Fixed rate mortgages gives you a low payment that doesn't change.

• FHA Loan Programs:

  Loan programs backed by government agencies that allow clients a lower down payment. An FHA loan makes qualifying for your new mortgage easier. Refi or buy, it's the most flexible loan.

• VA Loan Programs:

  A loan designed for Military Veterans to allow them to obtain home financing, even with zero down for home purchases.

• Jumbo Loans Take advantage of today’s low rates for loans over $417,000, now up to $3,000,000. 15-year, 30-year, FHA and ARM jumbo mortgage options are available, depending on your area.

• FHA Streamline:

  Allows people with FHA loans to refinance into a lower rate with less paperwork and simpler requirements. You may not even need an appraisal!

• Zero Cost Refinance:

  Refinance for a lower payment without having to pay for closing cost.

• Reverse Mortgage:

  Tap into your home equity and use equity as a form of retirement income.A great financial tool for homeowners 62 years and older - eliminate your monthly mortgage payment and get cash when you need it.

• Cash out Refinance:

  Pull cash for home equity.

• Hard Money Loans:

  Unconventional loan programs for clients who do not qualify for conventional or government backed loans.