Specializing in Brentwood Mortgages, California Home Loans, Brentwood Second Mortgages, Brentwood California Debt Consolidation

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 Brentwood, California office at 925-594-1221. 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 Brentwood, California office at 925-594-1221.

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?
  • Bankruptcy No Longer Means - No Mortgage
    Traditional mortgage lenders used to automatically reject people who had declared bankruptcy. Not anymore. Many home owners and home buyers still have the idea that they could not qualify for traditional financing and they would be wrong. Waiting 7 to 10 years for your bankruptcy to "fall off" your credit report is not necessary and quite honestly your waiting could further damage your credit score.
  • 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.

Bay Area News

  • Rock threat danger closes part of Yosemite lodging
    The National Park Service said Friday it will close part of a popular lodging complex at Yosemite National Park because an unstable cliff has created the potential for deadly rockfall. Park officials said 233 cabins will close permanently, or about one-third...
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  • Doyle Drive renovation gets key funding
    Golden Gate Bridge directors agreed this morning to contribute $75 million toward the reconstruction of dangerous Doyle Drive as part of a regional deal that could get the road replaced by 2014. The bridge district's board of directors voted 13 to 3 to...
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  • Campbell man accused of shining lasers at aircraft
    A 39-year-old Campbell man who allegedly shined a green laser at police helicopters and other aircraft repeatedly over the past three years has been arrested, the Santa Clara sheriff's office said today. Michael Weeker was arrested at his home Monday night...
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  • State unemployment takes big jump to 8. 2 %
    California's unemployment rate jumped to 8.2 percent in October and employers cut 26,400 nonfarm payroll jobs as the global financial crisis punished the state and exacted its heaviest toll on the struggling Central Valley. Although the Bay Area continues to...
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  • Ex-high school coach pleads no contest to stealing from swim center
    A former high school water polo coach has pleaded no contest to embezzling $3,000 from a Walnut Creek swimming center, his attorney said today. Todd Halvorson, 40, of San Ramon, an aquatics coordinator since 2000 who also served as girls water polo coach at...
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National Association Of Responsible Loan Officers
 
 
Ed & Luke,

I just wanted to give you an update on the signing last night. Everything went well; you have clients for life. We are going to want to refi again just as soon as we can. Anyway, all went well and we thank you so very much!!


Chance & Ed

Hi Guys,

I wanted to thank you for the effort you put forward in helping me out of my financial situation. I have been blessed to have met you. Your advice and guidance have enabled me to accomplish one of my dreams; to own a home. I never thought it would have been possible given my credit situation. You have demonstrated to me just how possible it is.

Thank you again.

P. Brown

Luke & Ed,

I have had dozens of lenders call me and tell me that they want to refinance my mortgage but none of them could do it due to my current bankruptcy. You were the only one who took the time to educate me about the process, and be true to your word. I am now completely out of debt, and my bankruptcy is discharged. I am on my way to financial freedom. I can't believe what a difference you have made in my life. Thank you so much for your help. I look forward to referring you everyone I know.

Joseph
Pre-Qualify Now


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