So, what is it that makes us so darn special?

Being a bank, this gives us better rates and fees than most Brokers. But Brokers have their own advantages. Even though they are a "Middle Man", they can reach out to special loans that the average bank cannot compete with.

So who is better? A Bank or a Broker?

I say, "Why Not Both?"

When our clients work with us, they have the versatility of a Broker, but the competative advantages of a Bank giving them one of the few places that they can feel confident that they are getting the right loan at the best rate.

As a small bank based in San Diego, we don't specialize in checking accouts or CDs. We purely specialize in residential mortgages.

If you are looking to:

your dream home, but you don't have the cash to do it alone, we can help.

My staff and I specialize in one of the largest array of home financing programs in Northern California. We focus on full mortgage planning and loans like:

and many other specialized programs. If we can't do it, chances are that it doesn't exist.

Getting a mortgage in today's market isn't always easy, but having a reliable team that you can trust to guide you through these turbulent times hasn't changed.

You can contact us with your questions no matter how big or small.