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Refinancing? Purchasing? Home Equity Loan? Fill out the online application below and 'Take Command of Your Home Financing!'
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Loan Information
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I choose not to verify this income and prefer a 'Stated Income' option.

OPTIONAL: Provide Either Your Social Security Number or Credit Score:

For Home Refinance and Equity Loans
Current Loan Amount:
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For Purchases and Prequalification
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If you prefer a 'Zero Down' option, what is the amount of your total liquid assets (savings, 401k, stocks, etc):


If this is a Prequalification, what is your maximum desired monthly payment?

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    Find Out How To Beat The Banks - Read Below For Details...
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What Are Your California Mortgage Loan Refinance Options? Get a Free Quote!

"The service was great and so was my rate! There weren't any hassles at all - they listened to my concerns, answered all of my questions, plus I got a better rate than I expected."

Thanks again,

G. Frederickson

POINTS EXPLAINED

What are points and when, if ever, does it make sense to pay them?

FEES EXPLAINED

What are the 'real' costs of my mortgage? This will help explain exactly where your money is going - and where it shouldn't be going...



Mortgage Programs Explained...
Ask For a Quote From The California Mortgage Loan Experts!
Fixed Rate Mortgage
What does the term 'Fixed Rate' specifically mean and what are the benefits of having a Fixed Rate Mortgage?
Balloon Mortgage
What is a Balloon Mortgage? When would it make sense for you?

Adjustable Rate Mortgage
Also known as ARM's or Variable Rate Mortgages. Explains advantages, common terms; what is a Negative Amortization Loan (Neg-Am); includes an 'Index Table' that explains Prime Rate, CODI, COFI, CMT, MTA, and LIBOR.
Home Equity Loan - 2nd Mortgage

Explains the difference between a Home Equity Loan (Home Equity Line of Credit or 'HELOC') and a 2nd Loan, as well as which may be best for you.

Call Us For A Quote And See How California Mortgage Loan Refinance Can Help You

FHA - VA Mortgage
Covers government sponsored programs and their benefits. Includes FHA, VA, Cal Vet, as well as other state specific and local programs. Documentation Options
What are the differences between Full Documentation (full doc), Limited Documentation (Limited Doc or 'Lite Doc'), Stated Income and 'No Income No Asset' (NINA) programs?



How Can We Help You 'Beat The Banks'?

It's simple: click on any of the banks listed to the right and we will package your loan with that bank according to the mortgage program of your choice - but we'll beat their published rate by .25% and won't charge you any more than the fees that particular bank normally charges. Click here for details or click on the bank of your choice to get started.


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