Low mortgage rates, fast closings, and exceptional service.

Loan Officer Kevin O’Connor

Loan Officer Kevin O’Connor

17+ years of experience

A five-star rating on Zillow, Yelp, and Google

A+ rating from the Better Business Bureau

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Phone: 1-800-550-5538

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Your Homebuying Partner.

Whether you are a first-time homebuyer looking for that perfect California home or a seasoned professional we have the loan programs, information, and options you can use to be more successful.

Low down payments, less-than-perfect credit, fixed home loan rates, adjustable home loan rates, and no-cost loan programs are just some of the options we offer our clients who are in the market to purchase a home in California.

Current housing interest rates can be volatile which is why you need a client-focused seasoned professional on your side.

Home Interest Rate
FHA 203(k) loan in California

An Expert Advisor For Your Next Refinance.

California homeowner that would like to consolidate high-interest debt with a debt consolidation home loan? We offer a wide variety of refinance options to enable you to consolidate those debts into a new low-rate mortgage.

Are you looking to update your California home with a new home improvement loan? Our home improvement loans allow for just that. 

Do you want to refinance to a lower mortgage rate? Our home loan programs offer the opportunity to lower your rate through our rapid refinance process. 

2023 Conforming Loan Limits In California

Are you buying a home or refinancing a mortgage? See your area’s 2023 Conforming Loan Limits in California. Generally speaking, Conforming loans allow for lower home loan rates, easier underwriting guidelines, and faster closings. Homeowners in California will benefit from recently increased limits.

Neighborhood homes in California

FHA and VA Home Loans

FHA Home Loans

We offer a wide variety of FHA home loans for both purchase and refinance transactions. From the regular FHA home loan rate program to the streamlined refinance to the 203(k) FHA loan, we’re able to deliver and meet the demands of clients looking for an FHA home loan product.

VA Home Loans

If you are or were in the military then you are potentially eligible for a VA home loan. It’s a great program that offers zero down for homebuyers and for those looking to refinance a current VA home loan we offer the VA streamline refinance program. Super easy, and super quick – low home loan rates too!

Client Testimonials

Tall Orange Home

“I can’t say enough about how well my re-financings went with Kevin in the lead.”

– Mark K. (Zillow)

Tan and Yellow Home

“I would absolutely recommend anyone looking to buy or re-fi to contact him because he knows his stuff.”

– Heather C. (BBB)

Tall Brown Home With Red Roof

“We had such a hassle-free excellent experience with Kevin for our home refinance.”

Tami G. (Google)