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Explore Calculators

We understand that one size does not fit all. Whether you have excellent credit, are self-employed, or have more complex income or credit circumstances, we'll work with you to find financing that fits your needs. 

As one of California's most experienced mortgage brokers,

we have decades of experience to bring your loan to the finish line. 

Investors

Buying a Home

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Are you a First Time Homebuyer? 
Looking to Downsize or Relocate? 
Interested in an Investment Property or 2nd Home? 
We have various programs to help you qualify.

Home Equity = Cash in Hand

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Your Home Equity is your savings.  We can help you tap into it without ever touching your 1st Mortgage for ANY need!

Qualifying Issues?  That's OK!

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We specialize in Difficult Loans!
Good borrowers might not fit into the standard conforming guidelines!  Hard to prove income? Not so great credit?  With our expertise, we are able to help those who don't quite meet all of the criteria!

Paying off Debt has never been so Easy!

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Expenses are up, and credit card interest rates are through the roof!  We can evaluate your finances and help you find the right path to eliminate high-interest debt without ever touching your 1st mortgage!

Loans for the Military

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Are you a Veteran, Active-Duty Servicemember, or an eligible surviving spouse?  You have served for us, so let us serve you to find the right loan for you. We are at your service!

Investment and Unique Properties

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We have many investors who lend outside the standard guidelines allowing investment borrowers to obtain financing they otherwise would not have been able to get.  Let us help you find the right program!

Specializing in Difficult Loans

We offer personalized service to help you secure a mortgage, even if you have hard-to-prove income or less-than-perfect credit. We specialize in hard-to-place loans and will work tirelessly to find the best solution for your unique needs. Don't let past financial challenges stand in the way of your dreams – let us help you get the mortgage you need.

We Do It All

With decades of proven experience, we specialize in all types of home loan financing. We offer traditional financing options for home purchases, refinancing, and debt consolidation, as well as unique financing solutions for unconventional property types.

This includes large rural properties of 20+ acres, hobby farms, buy-before-you-sell options, and 5-10 unit multi-family properties. 

 

No matter what your credit looks like, or type of income you earn, we won’t simply deny your application - we will work to find a way to get your loan approved.

Why Clients choose us

Beth Andrade
Broker
(408) 891-1550

CA DRE 01163222
NMLS 252117
  • Serving California since 1980

  • Personalized Mortgage Service

  • Competitive Rates

  • Fast Communication

  • Local Mortgage Experts

  • Support from Application to Closing​

Testimonials

Whenever I mention real estate to my mom, she always says, "Call Jerry first!"

Ryan

Waknut Creek, CA

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