San Francisco's Finest Mortgage Advisors

Using a Mortgage Broker means more options

As one of the few pure San Francisco mortgage brokers, we have relationships with dozens of wholesale lenders. So, when you are ready, we can find you the best home loan product at the lowest rate possible for your unique financial needs and situation.

We serve all of San Francisco County as well as Marin County

What you Get

Why Work with a Seasoned Mortgage Expert

Better rates. Better options. A smoother path to homeownership.

• Access to more lenders & programs—not just one bank

• Lower rates & smarter terms through expert negotiation

• Fast, stress-free approvals with no surprises

• Clear, personalized guidance tailored to your goals

• Specialized support for first-time buyers

• Transparent costs with no hidden fees

• Full support from application to closing

Our Services

Helping San Francisco buyers and refinancers with care and expertise.

Home Loans

Customized FHA, VA, and conventional loans tailored to your unique situation.

Refinancing

Refinance options designed to improve your financial freedom and lower payments.

Special programs for self-employed and investor clients needing flexible solutions.

Expert Guidance

Mortgage Pre-Approval – Fast, accurate pre-approvals for Sonoma County homebuyers, helping you shop with confidence in competitive markets.

Home Purchase Loans – Customized mortgage options for buyers in Santa Rosa, Petaluma, Rohnert Park, Windsor, Healdsburg, and all Sonoma County communities.

Refinance Loans – Lower your rate, reduce your payment, or access equity with localized refinance options tailored to Sonoma County homeowners.

FHA Loans – Low-down-payment financing ideal for first-time buyers and borrowers seeking easier qualification.

VA Loans – Zero-down VA financing for eligible veterans, active-duty military, and surviving spouses in Sonoma County.

Conventional Loans – Flexible loan programs with competitive rates for well-qualified borrowers purchasing or refinancing.

Jumbo Loans – High-balance financing for Sonoma County’s upper-tier home prices and luxury properties.

USDA Loans – Zero-down rural financing options for eligible Sonoma County areas.

First-Time Homebuyer Loans – Affordable programs and guidance tailored to new buyers navigating Sonoma County’s housing market.

Investment Property Loans – Financing for rental homes, duplexes, and multi-unit properties.

DSCR (Debt Service Coverage Ratio) Loans – Investor-friendly loans using rental income to qualify—no tax returns required.

Bank Statement Loans – Mortgage solutions for self-employed borrowers using bank deposits instead of tax returns.

Down Payment Assistance Programs – Access to local, state, and national DPA options for Sonoma County homebuyers.

Rate Shopping & Loan Comparison – Personalized analysis to help you find the best loan program and interest rate.

Credit Review & Improvement Guidance – Support to improve credit scores and increase loan approval potential.

Home Equity Loans & HELOCs – Tap into your home’s equity for improvements, debt consolidation, or large expenses.

Cash-Out Refinance – Refinance your existing loan and pull cash from your home equity.

Reverse Mortgages – Home equity solutions for qualifying Sonoma County homeowners age 62+.

Mortgage Application Assistance – Step-by-step guidance through the full mortgage process.

Loan Closing Coordination – Assistance managing the closing process for a smooth, stress-free experience.

Private Money Loans (Hard Money Loans) – Fast, asset-based financing for unique, time-sensitive, or non-traditional scenarios.

HUD Section 184 Indian Home Loan Program – Federally backed mortgage options for eligible Native American and Alaska Native borrowers.

Construction Loans (One-Time Close) – All-in-one construction-to-permanent loans for building a custom home.

Bridge Loans – Short-term financing that helps you buy your next home before selling your current one.

Non-QM Mortgage Programs – Flexible qualification for borrowers who fall outside traditional guidelines.

Interest-Only Mortgage Options – Lower monthly payments during the interest-only period.

Foreign National Loans – Financing options for international buyers purchasing U.S. real estate.

ITIN Home Loans – Mortgage programs designed for borrowers using an Individual Taxpayer Identification Number.

Second Home / Vacation Property Loans – Specialized loan programs for vacation homes throughout Northern California.

Portfolio Loan Programs – Customized solutions from private lenders for unique or complex scenarios.

Energy-Efficient Mortgage (EEM) Loans – Financing that allows borrowers to include energy-efficient improvements in their loan.

Home Renovation Loans (FHA 203k, Homestyle) – Funding for fixer-uppers or remodels bundled into one mortgage.

Rate-and-Term Refinance Options – Reduce your interest rate or change your loan term without pulling equity.

Home Equity Line of Credit - Get the funds you need without disturbing your low rate first mortgage.

Fixed Rate Second Mortgage - A true, non-adjustable second mortgage.

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