One broker. Many lenders. The loan that fits.

Purchase Loans

Buying in the Bay Area means moving fast with a strong offer. We get you preapproved, compare programs from multiple lenders and help you understand your down payment, monthly payment and cash to close before you write an offer.

• Conventional for buyers with solid credit who want flexible terms
• FHA for buyers who need more flexible credit or down payment guidelines
• VA for eligible veterans, service members and surviving spouses
• Jumbo for loan amounts above conforming limits, common in the Bay Area

Refinance

A refinance can lower your monthly payment, change your loan term, switch from an adjustable to a fixed rate or remove mortgage insurance. We run the numbers honestly, including closing costs and break-even, so you only refinance when it makes sense.

Cash-Out Refinance

Turn the equity you've built into cash. Homeowners use cash-out refinancing to remodel, pay off higher-interest debt, cover education costs or buy investment property. We'll compare a cash-out refinance against other options so you can choose with confidence.

Hard Money & Private Loans

If you don't have the assets or credit score for a traditional loan, you may still qualify for a hard money loan. Banks generally don't make these, but as an independent brokerage we can arrange them. They're often used for short-term needs, fix-and-flips and time-sensitive purchases.

Free Credit Report Evaluation

If your credit score isn't where you'd like it to be, we can help. We'll review your credit report and suggest specific steps to improve your score so you're ready to qualify for a better loan. Best of all, it's free.