Specializing in Walnut Creek Mortgages, California Home Loans, Walnut Creek Second Mortgages, Walnut Creek 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...

Friday, 4:16 PM

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. We are also opening a loans branch in Ontario now, considering a healthier lending environment.

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 as well as how to save on medical billing process presented by UniversalBilling.com, simply fill out the fields below and I will send you your first insider secret by email immediately.

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 Walnut Creek, California office at 925-944-3140. 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 Walnut Creek, California office at 925-944-3140.

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.
  • Fraud on primary housing market: mortgage
    Financing of the construction with the help of mortgages became more popular after a series of bonds of trust defaults. Developers are increasingly refusing to use bonds in favor of mortgage or prefer to finance construction process throug other ways, including the use of mortgage.
  • How to choose the best mortgage plan
    It is relatively easy to do. You visit a couple of banks or loan associations and find out their mortgage rates. You choose the cheapest option and sign a contract with fixed rate payments for a period of 30 years. The rate did not change throughout the entire period of contract, as well as the amount of your monthly payments.
  • The advantages of mortgage loan
    Assessment of advantages and disadvantages of mortgage lending is the most important step towards a decision - to take or not to take a home loan.
  • The disadvantages of mortgage loan
    Along with a number of positive aspects, mortgage still has a number of disadvantages. The main disadvantage of mortgage, as well as any loan, is a so-called overpayment

Bay Area News

  • Bay to Breakers race winds its way to the ocean
    A roiling, shimmying crowd of superheroes, robots, Olympic torch runners, guys in hula skirts and guys with no costumes at all pulsated through San Francisco on Sunday in the party disguised as a foot race known as the Bay to Breakers. Athletes in running...

  • Fatal stabbing in San Francisco
    San Francisco police are looking for two men suspected of fatally stabbing a 41-year-old city resident early Sunday at the busy intersection of Market and 12th streets, just a block southwest of Van Ness Avenue. The men, who each wore ponytails, stabbed David...

  • Three dead in Bay Area traffic accidents
    Two people died in separate vehicle accidents on northbound Highway 242 early today, the California Highway Patrol reported. The first incident occurred at 1:45 a.m. just east of the Highway 4 connector in Contra Costa County when a Volkswagen cabriolet...

  • 3 fired for alcohol in tug incident
    The three crewmen aboard a tugboat that struck a Martinez wharf last week have been fired for drinking alcohol the night of the incident. A spokesman for AmNav Marine Services says the company fired the three unidentified crew members after a preliminary...

  • UC student dies in fall from roof
    Less than 24 hours after he had graduated with a degree in anthropology, a UC Berkeley student was found dead early Saturday, apparently having fallen from the roof of a Berkeley apartment building onto the sidewalk. The body of Alan Kaname Hamai, 22, was...


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 Trent, Free Office Space Search
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