Why would you want to use me?
I'm a native Californian. I know California real estate. I have vast experience when dealing with home loan transactions. I practice integrity and tell it to you straight. I am my word. I love what I do and my purpose in this life is to help others. I have studied the art of listening for 16 years and pride myself on helping my clients get exactly what they want. I teach as I go. So if you are unfamiliar with the loan process you will be well educated and kept abreast of vital information that is important to know as the transaction proceeds. I am about protecting my clients best interests first and foremost. I am transparent and customer service oriented.
My Loan Processor, Kerri Castro, is the finest I have ever had the privelage to work with. She is smart, dedicated and committed to each and every loan that she handles. She gets it done and if I'm Batman she's Robin.
The Ventura County Credit Union:
I teamed up with this organization after many years working as an independant broker. I wanted to serve more people than I could on my own. So I chose the #1 ranked financial institution in Ventura County in order to insure my goals were met. My backround is business economics and finance. VCCU is about helping it's members. It's a perfect fit. Our products and interest rates are extremely competitive. Our services are unmatched. Our home loan department is growing because we are filling a huge void in the marketplace. Great products combined with great service.
Don't worry that your purchase loan wont close on time. I recently closed a purchase loan in less than 15 working days. It would have been sooner but we were waiting on an outside escrow issue.
Refinance: We offer 30 year, 20 year and 15 year loans as well as a retire your loan program that allows you to choose the number of years until your loan is paid in full. So if you don't want a mortgage in 8 years when you retire, you can opt for an 8 year mortgage term.
Conforming & High Balance Conforming: We offer both and are very competively priced. We can structure loans with or without buy down points, with or without closing costs and you will be educated on both.
A great way to purchase a home with a minimum down payment and low interest rate. We offer a full array of FHA products.
I love giving as much time to Veteran's as possible. I feel that I am truly giving something back to those that put their lives before mine. I have worked directly with Congressman Berman creating seminars to educate our veterans.
HELOC or Home Equity Lines Of Credit: We offer no cost HELOC loans. Low start rates. Interest only. 300 year amortizations.
Licensed Real Estate Broker Licensed NMLS 233469 20+ Years Financing Home Loans Conforming/Hi Balance Conforming/VA/FHA/HELOC's