HOME AFFORDABLE REFINANCE PROGRAM - HARP - available to 105% of appraised value! 

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 Sound Financial Advice

A foundation for long term wealth creation.

NOR CAL HOME LOANS prides itself on a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders and individual home owners.

We're a full service mortgage brokerage firm offering discounted rates and unique financing solutions with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our mortgage professionals are dedicated to finding the right loan - with the best rates, terms and costs - to meet our clients' unique needs.  Whether you are purchasing your first home, stepping up to a larger one, buying an income property, or refinancing an existing home for a lower payment, lower rate, cashing out to pay for college, consolidate debt or finance that long awaited home improvement or long deserved vacation overseas, we have the loan for you. Any of our mortgage professionals are more than qualified to assist you.  With an average of 16 years lending expertise our Mortgage Planners have helped thousands of borrowers just like you!

But that's just the beginning of our service. Throughout the lending process we provide regular loan updates and progress reports so clients always know the status of their loan. We also offer a special Mortgage Manager Service for those considering refinancing their mortgage.                            

We understand you have choices when it comes to the source of your real estate financing.  While an important factor, price is not everything.  Bad advice or lack of understanding or disclosure by your lender can in the end cost you far more than the few dollars difference at the closing table.  You deserve sound financial advice AND the best rates and terms.  We are continually undergoing rigorous training and education and we adhere to a strict code of ethics mandated by a national association of which designation we carry. We have also forged strategic relationships with our investors - which include all the major banks and other recognized funding sources - to bring to you a full spectrum of mortgage products at the best prices possible.  This is why over 90% of our business is repeat and referred clients.

MAKE THE RIGHT CHOICE

Choose Experience and Knowledge. 

Choose Sound Advice. 

Choose the Right Mortgage at the Right Price.

CHOOSE NOR CAL HOME LOANS

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