* Legal Disclaimer: The interest rates, annual percentage rates (APRs), and discount points shown are provided for informational purposes only and are subject to change without notice. Your actual rate, payment, and costs may vary based on your credit score, loan amount, loan-to-value ratio, and other factors. This is not a credit decision or a commitment to lend.

    Couple signing mortgage documents with loan officer
    90% Approval Rate

    Get Pre-Approved in 24 Hours

    Licensed in California, Texas, Florida, and Georgia. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership and save you money.

    $150M+

    In Loans Funded

    97%

    Customer Satisfaction

    21-Day

    Average Closing Period

    Estimate Payments

    Mortgage Calculator

    Estimate your monthly payments, including taxes and insurance, to find the perfect home within your budget.

    20.0%

    Estimated Monthly Payment

    $2,523
    Principal & Interest
    $2,023
    Property Taxes
    $400
    Home Insurance
    $100

    *This calculator is for estimation purposes only. Actual payments may vary based on final interest rate, taxes, and insurance.

    * Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

    Refinance Analysis

    Should You Refinance?

    Calculate your potential monthly savings and see how quickly a refinance could pay for itself.

    Current Loan Details

    New Loan Details

    Potential Monthly Savings

    $464
    Current Payment (P&I)$2,474
    New Payment (P&I)$2,010
    9 mo
    Break-Even Point
    $18,528
    Lifetime Savings

    *This analysis is an estimate based on the information provided. Taxes, insurance, and actual closing costs may vary.

    * Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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    Loan Programs

    Every Borrower Is Different - So Are Our Loan Programs

    Traditional banks say no? We specialize in solutions others can't offer. From conventional to specialty programs - we have the right solution for every homebuyer and investor.

    Conventional

    Conventional

    The standard in home financing. Ideal for borrowers with good-to-excellent credit and a moderate down payment.

    Key Benefits:

    • Down payments as low as 3%
    • Cancel mortgage insurance (PMI) at 20% equity
    • Flexible terms from 10 to 30 years
    • Available for primary, vacation, and investment properties
    Conventional

    Our Reach

    Our Local Expertise

    We provide personalized mortgage and real estate solutions across four major states, with deep understanding of local market conditions.

    California

    Serving homebuyers and sellers throughout Orange County and beyond from our Laguna Beach office.

    Georgia

    Providing personalized mortgage solutions from our Marietta office, including down payment assistance programs.

    Texas

    Helping homebuyers navigate the Lone Star State's distinctive real estate landscape with competitive rates.

    Florida

    Specialized mortgage solutions for Florida's diverse housing market, from beachfront properties to suburban homes.

    Mortgage Insights

    Latest Tips & Resources

    Expert advice to help you navigate the home buying and refinancing process with confidence.

    The Ultimate First-Time Homebuyer Guide
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    Mar 15, 2026

    The Ultimate First-Time Homebuyer Guide

    Everything you need to know to prepare for your first home purchase, from saving for a down payment to closing.

    Read Article
    Understanding Fixed vs. Adjustable Rates
    Mortgage Basics
    Mar 02, 2026

    Understanding Fixed vs. Adjustable Rates

    Not sure which rate type is right for you? We break down the pros and cons of fixed and adjustable-rate mortgages.

    Read Article
    5 Proven Ways to Boost Your Credit Score
    Financial Prep
    Feb 18, 2026

    5 Proven Ways to Boost Your Credit Score

    A higher credit score means better loan terms. Learn actionable steps you can take today to improve your credit profile.

    Read Article

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    Testimonials

    What Our Clients Say

    4.7
    based on 16 reviews

    "Jennifer did an excellent job from start to finish. From helping me find a great interest rate to being close ready with no delays."

    Theresa Howard

    "Working with Jennifer was great. She worked hard with our situation and never gave up until the loan was closed. Always responsive and always had answers."

    Courtney Nichols

    "Jennifer and her team did a phenomenal job. I would highly recommend her service to anyone in need of Mortgage services. They took their time to listen."

    Chris Kurhanewicz

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    Live Rate Monitor

    Current Mortgage Rates

    Broker Toolkit

      Rate Monitor

      Today's mortgage rates

      Average across 6 states
      30Y Fixed6.210%
      15Y Fixed5.712%
      30Y FHA5.627%
      30Y VA5.713%

      California

      ca
      6.110%30Y Fixed0.010
      15Y Fixed5.640%
      30Y FHA5.380%
      30Y VA5.660%
      20Y Fixed5.950%
      10Y Fixed5.370%
      7Y ARM5.980%
      5Y ARM5.860%
      Updated 29 minutes ago

      Georgia

      ga
      6.140%30Y Fixed0.040
      15Y Fixed5.650%
      30Y FHA5.380%
      30Y VA5.700%
      20Y Fixed5.920%
      10Y Fixed5.370%
      7Y ARM6.280%
      5Y ARM6.190%
      Updated 29 minutes ago

      Florida

      fl
      6.240%30Y Fixed0.010
      15Y Fixed5.720%
      30Y FHA6.120%
      30Y VA5.650%
      20Y Fixed6.250%
      10Y Fixed5.550%
      7Y ARM6.300%
      5Y ARM6.540%
      Updated 29 minutes ago

      Texas

      tx
      6.290%30Y Fixed0.060
      15Y Fixed5.770%
      30Y FHA5.380%
      30Y VA5.640%
      20Y Fixed5.810%
      10Y Fixed5.400%
      7Y ARM5.930%
      5Y ARM6.460%
      Updated 14 minutes ago

      Alabama

      al
      6.360%30Y Fixed
      15Y Fixed5.680%
      30Y FHA5.750%
      30Y VA5.880%
      20Y Fixed6.060%
      10Y Fixed5.420%
      7Y ARM6.390%
      5Y ARM6.670%
      Updated 29 minutes ago

      Tennessee

      tn
      6.120%30Y Fixed
      15Y Fixed5.810%
      30Y FHA5.750%
      30Y VA5.750%
      20Y Fixed6.140%
      10Y Fixed5.880%
      7Y ARM6.030%
      5Y ARM5.940%
      Updated 29 minutes ago

      * Legal Disclaimer: The interest rates, annual percentage rates (APRs), and discount points shown are provided for informational purposes only and are subject to change without notice. Your actual rate, payment, and costs may vary based on your credit score, loan amount, loan-to-value ratio, and other factors. This is not a credit decision or a commitment to lend.

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