Providing a safe haven for our clients in today's complex financial world. 

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Please visit our new Facebook business page to see numerous videos and articles about our loan products:

Real Estate Funding Solutions 

Welcome!!! We provide quick and affordable financial solutions for our clients for both residential and commercial properties. The best way to reach me, Rick Tobin (Broker/Owner), is by email ( or by phone: (760) 485 - 2422. 

Online and paperless or doc-less loan applications and fundings: We have the ability to email you links to online applications that can be automated and underwritten for quicker approvals without any paper copies (W-2s, tax returns, bank statements, mortgage records, etc.). Our financial partners' underwriters can obtain your records electronically within minutes in many cases. So, you can apply for a mortgage, get approved, and sign the loan documents all within the comfort of your home. 

Residential Loan Products

Our financing options currently available and are subject to change for owner-occupied and non-owner occupied residential (one-to-four unit) properties include:

* 30-year fixed
* 15-year fixed
* FHA loans
* VA loans - No money down up to $1.5 million (purchase & cash out refi to 100% LTV)
* Hybrid loans: 3/1, 5/1, 7/1, and 10/1 (3 to 10-year fixed)
* Interest-only loans for lower monthly payments 
* Lower FICO credit score programs at exceptional rates  
* Incredibly affordable debt consolidation loans

* Stated income loans (qualify off of bank deposits or P&L statements)
* Cash out loans up to very high LTV (loan-to-value) ratios with or without income verification
* Very flexible DTI (debt-to-income) ratio allowances up to 60%

* Reverse Mortgages (a mortgage and insurance hybrid with no monthly payments) 
* Credit lines (owner-occupied, 2nd homes, and rental properties)

If my company can't fund your deal, then it probably can't be funded. We strive to make seemingly impossible mortgage loan requests become possible as quickly as possible. 

To learn more about VA and FHA mortgages, please click on my June 2020 articles below about these incredible and affordable loan programs: 

VA and FHA Mortgages & the Housing Boom (Part I) 
VA and FHA Mortgages & the Housing Boom (Part II) 

Our Solid Financial Partners 

My main financial partners for residential (one-to-four unit) mortgage loans include the largest wholesale (loans through brokers) and retail (loans direct to consumers) mortgage lenders in America who funded over $300 billion dollars in mortgage loans combined in 2019 alone. 

Not only do we offer incredibly competitive and low rates, the typical closing time averaged just 15 days as of the first quarter of 2020. Our e-closing company that we have access to for the absolute quickest digital closings handled over 96% of all e-closings nationwide in 2019. 

It will be very challenging to find better rates, lower fees, and quicker closing options than what my company offers to our clients and real estate licensees. Once you get a price quote and time estimate to close from us, please go compare with any other mortgage lender. 

Attention Real Estate Licensees: We offer mortgage loan flyer creations for your listed properties in certain regions. To learn more details, please send me your listing terms and we'll create a professional flyer that lists one or more potential mortgage loan options for your specific property listing that may help you sell your listings faster. 

Credit Analysis & Repair: I've written about how to repair credit reports and personal FICO credit scores for many years in blogs, printed magazine articles, books, ebooks, college textbooks, and in real estate courses in upwards of 30 states for some of the largest educational firms in America that I also share for free with my clients. We also have access to free or very affordable credit repair systems that can quickly boost FICO credit scores for our clients that will greatly reduce our clients' interest rates, monthly loan payments, overall closing costs, PMI (private mortgage insurance) payments for 80%+ LTV loans, and required down payments. 

Private Money, Non-Conventional, and Non-QM Loans 

We have the ability to approve private, non-banking, "EZ Doc", and creative money solutions for our investor clients for both residential and commercial properties as well. Our funding team consists of very experienced real estate investors and funders, so we also think first as investors when approving our clients' loan applications.

We have access to some of the most flexible Non-QM (Qualified Mortgage) money for owner-occupants and investors that allow much higher debt-to-income (DTI) ratios well above the standard 43% DTI ratios, lower FICO credit scores, and higher LTV options for our borrowers. 

We offer loans and credit lines to individuals, LLCs, and to even borrowers' pensions funds with NO personal guarantees, credit checks, or income verification required in some cases. Please bring us your loan deals turned down from other lenders since we offer very creative and flexible loan solution options that very few others do today.

Our private money rates today are almost as competitive as the best bank rates from just a few years ago, and much easier to qualify for these days. If my team can't fund your simple or complex deal, then it probably can't be approved elsewhere. When you need a deal quickly funded, we are your financing team who you should seek out first.

We have the ability to fund almost every type of real estate property nationwide such as some of the property types listed below for both residential and commercial properties. These funding options may include with or without formal income verification, "fix and flip" type properties, and long term holds. Our team of associates have funded over a few hundred million dollars of real estate properties nationwide over the past 25+ years.

Buy and sell private mortgages: We also buy and sell private mortgages or trust deeds secured by various types of real estate such as single-family homes, manufactured and mobile homes, apartment buildings, retail shopping centers, and other types of real estate.

All listed loan programs are subject to change, depending upon factors such as current financial market condition. 

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