Are you or your spouse or have you ever been an employee of the State of California?  If so, you may be eligible for special home loan programs with up to 103% financing!  Call (619) 750-9095 or click here for details about our very exciting CalPERS Member Home Loan Programs.

The mortgage industry is changing daily and the impact is being felt across the country.  Our economy is suffering and there is a plethora of confusing information.  The Fed is lowering the Fed Funds Rate quite often and yet home loan rates have gone up and down.  Why does this happen?  Even if you aren't presently shopping for a mortgage, it is important to understand what is going on.  Visit our Mortgage Industry News page for the latest information. 

No matter what type of property you may need to finance, we can help.  Please feel free to browse through the wealth of detailed information we've compiled. As you browse, one of the first things you will probably notice is that we don't publish interest rates on our site.  That's because every transaction we finance is personally tailored to meet your needs.  Your interest rate will depend upon many factors including but not limited to credit score, loan amount and loan program.  As your trusted financial advisors, we'll listen to you and ask a lot of questions.  Then we'll suggest the best loan program to meet your needs. 

With our exciting Mortgage Acceleration Program, we'll show you how to save thousands of dollars in interest and shave years off your mortgage without changing your current spending habits. To learn more about this innovative program, give us a call today! 

We finance most commercial property transactions, including multifamily, apartment buildings, commercial strip centers, bed and breakfasts, mobile home parks, hotels/motels, car washes, restaurants and many others.  Our flexible comercial financing programs allow up to 90% loan-to-value, 30-year loan terms and up to 10 years of interest-only payments.

When you're ready to apply online using our secure server, simply click on any of the little green frogs you'll find throughout our site, or give us a call.  We are looking forward to serving you!

Lisa Epstein, 
President    

PS:  For the real inside-the-real-estate-and-mortgage-industry scoop, check out activerain.com.  After you view my profile, take a moment to explore the different groups and forums.  As a consumer, you will get an insider view of what the professional and not-so-professional individuals in our industry are thinking about the market - nationwide!  And then, I'd love to hear your thoughts!