You Are About To Discover All The Information You Need To Make An Informed Decision About Obtaining A Mortgage in California

I just wanted to take a moment to thank you for all the awesome service you have provided me over the years. I have taken comfort knowing I can depend on you as a resource for my questions, ideas, clarifications, etc…You always seem to find the time to send the requested quote or answer to my questions, plus you don’t hesitate to take extra time to discuss over the phone if required. It’s also comforting knowing that you have the access and knowledge to provide just about any financial service possibility, even more so that you don’t hesitate to give a candid and honest opinion. In this day and age where being courteous and conscientious towards others seems to be less prevalent, your above and beyond service is very refreshing.

Matt Judd
Ventura, CA

Filing Bankruptcy was an extremely distressing experience for me. Pat was clearly an expert at helping me obtain a new loan and pay off my debts. The process worked out exactly as she explained it at our first consultation. She is truly an expert in Bankruptcy mortgages. I am very grateful and glad that I called her.

Beth C.
Ventura, CA 

Hi Pat,

For the past 8/9 years of knowing you, you have helped me purchase my 1st residence after being divorced, a condo, and the home I am currently living in, plus 2 equity lines, one for each place. Neither time was it an easy financial conquest. Through the whole process, you would answer my questions and then answer them again should I not understand.

Your patience and encouragement was always reassuring as it was quite often an iffy proposition. You made it a pleasant experience due to your confidence and positive attitude.

Even more recently, I asked for your help to see if I could get a 'refi'; actually, twice within about 9 months. I was concerned with potential interest rates going up within the next two years or so. I had hoped to 'refi' a 1^st & 2^nd , for a better rate of interest for a longer period of time in order to be able to handle the payment should I become unemployed or have a decrease in salary at sometime in the future.

Unfortunately, it wasn't meant to be. But the extra work and research you put in looking in to all the possibilities including calling my current mortgage holder to get answers (even when I was reluctant to do so due to not totally having a grasp on all the terminology) was well beyond the call of duty.

On top of all the above, I have been able to ask for financial insight on how to handle or pursue different financial endeavors for the future. I feel I can rely on your information, because I know you stay on top of current events and do the research.

Thank you for all of your help and vote of confidence. Hopefully, we will be able to work together in the future.

Annette Hall
Ventura, CA

Pat helped us to buy our first home several years ago when we were still paying off our Chapter 13. Then she helped us clean up our credit and improve the financing for that home so we were able to take advantage of the increasing value. We were recently able to purchase a new home with Pat’s help. It pays to work with an expert.

Judy and Richard C.
Simi Valley, CA

Recently, we were able to purchase a vacation home at Big Bear Lake. This is something we’ve talked about doing for years and with home purchase prices at such record lows, we didn’t want to wait any longer.

Even though I’ve been a commercial real estate broker for over 25 years, I had no idea of the amount of forms and documentation which are now required in this post sub-prime loan era. Remember when you could close an escrow in 45 to 60 days? Don’t count on it now. Even as hard as we pushed the process, it still took over 60 days to fund and close.

Be sure to allow for a long enough escrow period, keep a positive attitude and when Pat says she needs documentation from you to proceed, don’t hesitate, jump on it. I firmly believe that without the knowledge, persistence and organizational skills which Pat exhibits and applies to the loan process, we wouldn’t have been able to secure our loan.

Keith & Lin Macleod
Camarillo, CA

Hi Pat,

Thanks for getting back to me. I hope everything is going well for you and that you are still cycling.

It sounds like I am at a place where I should relish staying put in the house and take advantage of my interest-only status. I am also glad to have you in my corner with your Rate Watch, newsletter and promise of a phone call if he loan landscape changes.

With appreciation,

Thank you for all of your hard work and dedication over the past year...it finally led to the purchase of a house. As always, your opinion and professionalism were greatly valued and appreciated.

Allison C.
Glendale, CA

Thank you again for your help. You are totally awesome...you got my pre-approval letter right away and contacted the bank. You went over and above to assist us. Matt and I are in awe of you.....totally. You’re the best.

Cathy Arbogast
Ventura, CA

Thanks for all of your help with the loan to get us into a better position to move forward. We appreciate your patience and understanding with our situation, and for guiding us through the process.

Matt N. and Stan P.
Ventura, CA

We can honestly say that we felt really comfortable and are really pleased with the outstanding service you provided us. It was a pleasure seeing this whole thing come together knowing it was orchestrated by a true professional.

Brian and Jan B.
Camarillo, CA

Thank you for the competent, practical and very gracious way you handled my home loan. The positive way you looked at my situation has given me confidence in myself and my ability to go on in my life by myself.

Vicki H.
Ventura, CA

Thank you so much for your excellent work. I appreciated very much your support, your prompt and efficient responses and the excellent service you provided. You made the entire transaction a pleasure.

Diane M.
Ventura, CA

Having a Bankruptcy is a stressful thing. Pat was able to get me the cash I needed and help me clean up my credit . She’s very professional and sharp and she delivered what she promised!

Robert M.
Oxnard, CA

Thank you so much for doing everything and more to get me into my home. I appreciate your patience.

Caroline J.
Ventura, CA