Bay Area Mortgage Experts

 Ed & Luke Invite You To Learn The Insider Secrets Other Mortgage Lenders Don't Want You To Know...

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Dear Neighbor,

We want to thank you for taking the time to visit our website, where we guarantee you'll find plenty of helpful information. We help homeowners who have had a bankruptcy or other credit challenge find payment relief, restore their credit, achieve financial security and peace of mind using the money they already earn. We are a Mortgage Lender serving the Greater San Francisco Bay Area.

However, our service is not just another mortgage loan. We have developed a unique financial program and we are the only ones in the industry to have it. We call it the "Platinum Program" and it is a holistic approach to the lending process. We have found that most people could use some advice beyond just a mortgage recommendation. With this in mind, we have put together a team of experts in their respective fields and combined them with a plan to systematically help people get out of financial distress.

FREE Home Buying Guide Reveals Insider Tips Other Mortgage Brokers Don't Want You To Know...

Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan.

Although sharing these secrets may not make me popular with the other California mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a mortgage. So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the mortgage loan process.

To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.
There is no obligation and your e-mail privacy is safe with us.

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking to refinance in California or the surrounding areas, you will find that this site is a complete resource full of insider secrets that will allow you to choose the loan program best suited to your financial needs.

We make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the loan you need for the home you want.

Make sure you register to receive our Free Homebuying Guide and Insider Mortgage Reports, browse the Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call us in our Pleasanton, California office at 925-201-5740. We are here to help you with all your mortgage needs.

Got a Quick Question You Want Answered Today?

Click the "Ask A Question" button below to send us a message by email or feel free to call my Pleasanton, California office at 925-201-5740.

Before you leave, make sure you review the California Home Buying Resources, Insider Reports and  Mortgage Calculators. All are designed to help guide you through the home buying process so you avoid making costly mistakes.

Our Published Articles

  • Mortgage Lending For The Professional Athlete
    There is a misperception that all athletes are multi-millionaires and they can just pay cash for everything. They don't need to borrow money to buy a house, they can just pick the one they want and write a check. Not so. Athletes are paid in some of the most complicated ways imaginable and it is very difficult for them to borrow money.
  • How Does The Federal Reserve Affect Interest Rates?
    Who do you think is the most powerful man in the world? The President of the United States? The Chief Justice of the Supreme Court? Nope! The most powerful man in the world in my opinion is Ben Bernanke, the Chairman of the Federal Reserve.
  • Can You Handle The Perfect Financial Storm?
    Short-term fixed rate home loans were all the rage just a few years ago. Rates in the 3-5% range were common place and the thought of a 30-year fixed was just crazy. Appreciation was going through the roof with little evidence that we would ever see a correction in the market. Well everyone, let me introduce you to your new interest rate. That short term fixed rate that is no longer fixed or is about to adjust upward by 3-5% on it's first adjustment. Can you handle it?
  • Racial Inequity When It Should Be Irrelevant
    New reports are showing that minorities are being charged more for their mortgage loans when compared to whites. This is an outrage and should be stopped, but not with federal legislation. Borrowers have to take responsibility for their decisions and lenders must hold themselves to higher ethical standards. There are lenders who practice high levels of ethic, consumers just need to know what to look for.
  • So You Thought You Wouldn't Have To Deal With Creditors After Bankruptcy...WRONG!
    Credit reporting companies are like the storytellers of old. They repeat tales told them to all who will listen. Most of the time you don't even know if it is true or not unless the story is about you. You need to make sure the information being told by the credit reporting companies about you is accurate and this article will show you how.

Bay Area News

  • Man accused of Muni stabbings to be in court
    A transient accused of stabbing women and children on San Francisco's Muni system last year will appear in court today for arraignment after his lawyer acknowledged that he is mentally fit to stand trial. Bobby Brown Jr., 30, was found fit to stand trial by a...

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  • S.F. suspends club where shootout happened
    A Fisherman's Wharf nightclub was already facing a seven-day city suspension of its license for out-of-control crowds when a gun battle erupted there over the weekend, leaving one man dead and four others wounded, San Francisco officials said Monday. The...

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  • State error leads to security breach
    A state health department mailed letters to nearly 50,000 Californians this month - inadvertently listing their social security numbers alongside their names and addresses on the envelopes. The security breach involved a Feb. 1 mailing by the California...

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  • Vallejo victim was father of suspect in beating
    A man shot and killed early Monday in Vallejo was the father of a 17-year-old boy arrested last week in connection with the beating of a city worker, police said. Matthew Allen Hicks, 42, of Vallejo was found shot in the head outside his girlfriend's house on...

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  • S.F. schools consider costly gay support program
    With everything from art classes, summer school and jobs on the chopping block this year, the San Francisco school board will decide this week whether to greatly expand school services, support and instruction on issues of sexual orientation. The decision...

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National Association Of Responsible Loan Officers