FHA and VA mortgage loans in California are our specialty. We are your one stop shop for zero down or low down payment home mortgage loans in San Diego and all of California.

Located in North County San Diego, we focus on serving the local communities of Oceanside, Vista, Carlsbad, San Marcos, Escondido, Poway, Rancho Bernardo, Bonsall, Fallbrook, Temecula, Murrieta, Menifee, Winchester, Wildomar, Canyon Lake and surrounding California cities.

Our local representatives will gladly meet with you in person in our offices or at your residence. We serve the entire state of California as well as Arizona, and Oregon.

After The Financial Crisis - We Are Still Here

Our home loan experts have been offering FHA VA home loans as well as conventional mortgages since 1994. We have been through the ups and downs of the real estate market and have continued to thrive in the face of the greatest economic meltdown since the Great Depression. Unlike many of our competitors that only hang a shingle when the market is over heated, we were here before the bubble and we are still here after the bubble has burst. What that should tell you, is that we operate at the highest level of integrity always putting your interests first… not our own.

It's Up To You

If you decide to work with us, you will recognize immediately that we are not like all the rest. We are here to serve your needs first and foremost.

We are big fans of the Confucius philosophy: “If you do what you love, you will never work a day in your life." We absolutely love what we do! We have been here for a long time and we intend to be here for a lot longer. We hope you decide to check us out.