HONEST PLAIN TALK I am a DRE licensed mortgage broker in Yorba Linda, California and have always prided myself on dealing with honesty and integrity to my clients, both Borrowers and Lenders. I have a BS degree in Chemistry, an MBA, and 20 years of executive industry experience. I have been originating loans since 1994 and my business nowadays is almost all driven by referrals, as I seldom advertise nor run a predatory "sweatshop." My goal is to not only deliver to you a quality loan, but to perform my services so that you will refer my to your friends, family and business associates. My overhead is very low, so I can usually beat anyone with great service AND the best rates and fees. I feel I provide a very trusted fiduciary service to all my clients and pride myself on teaching my clientele as much as I can about their options and the various pros and cons of various loan programs. I respect the Lenders and have developed long term relationships with them which allows me to discuss potential loan scenario idiosynchrosies with current underwriting standards. I pride myself on customer service. I feel that I provide a higher knowledge level, integrity and professionalism that are needed to strengthen the loan origination process. I never take an upfront application or appraisal fee from my borrowers. My guarantee toyou is that your deal will not be switched at a later date, and my assurance is that if it does, you can go somewhere else and I will have to pay for all out of pocket expenses, including any appraisal or processing costs. It gives you the best confidence thatyou will get the loanyou werequoted. Call me today at 714-777-8731 to get a free consultation.