Local broker with in-house processing. We shop 20+ lenders to find your best rate.
Look, I'm not going to waste your time. Here's exactly what happens when you work with me instead of walking into Wells Fargo or Bank of America...
Banks only offer THEIR loans. I submit your application to 20+ lenders and bring you the 3 best offers. You pick the winner. It's like having 20 banks compete for your business.
My cell phone is on this website. Call me at 9pm on a Saturday if you need to. Try that with your bank. You'll work with ME from start to finish—not 5 different people.
I process everything in-house. No outsourcing to some processing center in another state. That's why I can close in 21 days while banks take 45-60.
I've been doing this since 1999. I know every neighborhood, every appraiser, every title company. That local knowledge saves you time and money.
$0 lender fees. I get paid by the lender, not you. No "processing fees," no "admin fees," no surprise charges at closing. What you see is what you get.
I'm so confident you'll have your pre-approval letter within 24 hours that if I miss the deadline, I'll pay YOU $100. That's my guarantee.
From 3.5% down FHA loans to 0% down VA loans—we find the right program through our lender network
Just 3.5% down, 580 credit score minimum
0% down for veterans and active military
Competitive rates, flexible terms
High-value homes above $766,550
Lower your rate and monthly payment
Access your home equity in cash
For homeowners 62+, no monthly payments
I've heard every excuse, every worry, every "special situation." Here's the truth: I've probably helped someone in your exact position this month.
Perfect. That's my specialty. Most first-timers think they need 20% down. Wrong. I'll show you how to buy with as little as 3.5% down (sometimes even less with down payment assistance). I've helped over 2,000 first-time buyers in Ventura County.
Then you've earned the best loan program in America. 0% down. No PMI. Lower rates than conventional loans. I've closed hundreds of VA loans for military families at Naval Base Ventura County. Let me show you how to use your benefits the right way.
Smart move—if the numbers make sense. I'll tell you the truth: if refinancing doesn't save you at least $200/month or help you reach a specific goal, I'll tell you to keep your current loan. But if it makes sense? I'll get you the lowest rate available. Period.
Join the club. Most people's isn't. Here's what matters: if your score is 580 or above, you can qualify for an FHA loan with just 3.5% down. Had a bankruptcy or foreclosure? We can still work together. I've helped people with 600 credit scores buy $700K homes.
Unlike banks that only offer their own products, we shop 20+ lenders to find you the best deal
Don't worry about losing your rates. Lock in your rates now and protect yourself from market fluctuations.
We work with multiple lenders to find you the best rates and terms. One application, multiple offers.
We strongly believe in providing a 100% transparent home buying experience with no hidden fees or surprises.
Buying a home is a stressful process. Let us ease your burden by providing you with a 1st class home buying experience.
We're so confident in our process, we guarantee it
Get approved fast and shop with confidence
We compare 20+ lenders to find your lowest rate
We fight for the best terms on your behalf
Serving Ventura County for [X] years
Transparent pricing, no surprises at closing
Calculate your payment in 30 seconds—includes taxes, insurance, and PMI
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See why Ventura County homebuyers choose a broker over big banks
"Tino made our first home purchase so easy! Got us approved in 24 hours and we closed in 30 days."
"Best mortgage experience ever. Tino found us a rate 0.5% lower than our bank offered!"
"As a veteran, Tino helped me get my VA loan with zero down. Couldn't be happier!"
One application. Multiple lenders. Best deal guaranteed.
Fill out one simple application. No need to apply to multiple lenders separately.
We submit your application to our network and negotiate the best rates and terms.
We present multiple offers. You pick the one that works best for your situation.
We coordinate everything with the lender to get you to closing fast.
Local knowledge. Local service. Better rates than the big banks.
No credit impact. Free rate quote. $0 lender fees.
⚡ Same-day responses guaranteed
Licensed NMLS Broker • 1000 Town Center Dr, Oxnard, CA 93036
Serving Oxnard, Ventura, Thousand Oaks, Simi Valley, Camarillo & All of Ventura County
Ready to get pre-approved in 24 hours?
No credit impact • Free rate quote