Even with all the changes in the market, you can still get a home loan to buy your first home! The fact is there has not been a better time to buy in the last decade!!

What about poor credit? YES, you can still get a loan even with credit scores in the 500s! DOWN PAYMENT OF ONLY 3.5% Ask us!! What about no money down loans? What about foreclosures? Short sales? YES we can! Call Art at 760-723-1095 Now!!

Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! I can help you get there. FHA, VA, Reverse Mortgages, Fannie Mae, Freddie Mac, and first time home buyers with down payment assistance.

Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. I can even help you pay down your balance more quickly for comparable monthly payment. 

  As a Certified Mortgage Planner I do my best to give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anyone else!

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