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Your satisfaction is our #1 priority!

  • Expert Advice

    Our experienced loan officers are here to explain every detail about the loan options that you have and help you to get the very best solution for you!

  • Personal Service

    You get a dedicated loan expert from the application to the funding. One point of contact to get all of your information and your questions answered.

  • Direct Lender

    From the application, to processing, underwriting, and funding of your loan everything is done in house. As a Direct Lender we provide FHA, VA, Fannie Mae, Freddie Mac, USDA, Reverse Mortgage, Construction and Renovation loans quickly and efficiently. On time, accurately, and with plenty of communication.

Every home buyer needs an industry pro that can help you understand the many loan options that are available, and is able to help you determine which loan is appropriate for you. There are many different types of borrowers who seek affordable home financing, and our job is to provide affordable financing that works for you.

What kind of home buyer are you?

Whatever your needs, we can provide you with options that will both suit your financial situation and provide you with the home loan financing you require.

Programs for First-Time Homebuyers

  • FHA
  • USDA
  • VA
  • State Down Payment Assistance Programs
  • Renovation Loans
  • Reverse Mortgages
  • Fixed and Adjustable Rates


Mike and Kelly made the entire process seamless and very easy for us 1st-time home buyers. They are knowledgeable, honest, friendly, and very helpful. Their paperless system was very convenient for us to view/sign documents (also environmentally friendly) and they responded to our questions and inquiries quickly. It was a pleasure working with them both. We are very happy with the service they provided.

Mike - Client

Your Officers - Kelly & Mike very professionals, making the process smooth. Very helpful, great people to work with

Rita - Client

I am a Buyer's Agent and Mike West always made sure to call the listing agent when I presented my client's (his client's) offer to make sure they understood the financial strength of his client and to put that "extra touch" so that our client would stand out above the rest.

Shirleyanne - Prudential California Realty