When you decide to buy a home or refinance a mortgage, it's a big step. You can trust we will find the loan program that's best for you.  My extensive banking and finance experience considers your entire financial picture.  We have all of the options available in the market place but as a Broker I don't need to push an individual bank's products, good or bad.  We work with scores of banks to pick the best pricing and the best bank for your individual needs and cost efficiency.  As a mortgage loan brokerage, the banks offer us their programs on a wholesale basis.  As the District Manager, pricing is up to me.  Agents report to me for pricing deviations.  I work with you with the intention of being your finance guy for LIFE.

Buying a new home, investment property, or commercial real estate does not have to be a source of anxiety or frustration.  Let's make it a huge sense of accomplishment. You didn't pick the property that was best for someone else, you picked the one that's right for you! Trust my years of experience to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a relatively frustration-free zone from application to decision. Getting the right mortgage loan is a decision that will serve you well for many years through thick and thin.  I can help you get there.

Refinancing your current mortgage can be a pain in the ----.  Let's be honest here, lenders have tightened up considerably, property values have plummetted in certain areas, employment and income is an issue if your last loan was "stated income."  40-50% of mortgage brokers have "left the building."  Good.  Leave this business to the Finance professionals that make this a career, not a get rich quick scheme.  No wonder we're in deep "you know what."  Yes, it's a pain in the ---- but it's also a golden opportunity for those that can qualify.  My expert analysis will clearly show you whether or not refinancing really makes sense.  Back in Banking School, we were advised NEVER to "sell" a client something they don't really need.  Of course Rule #2 is:  "If the customer wants a red car, sell him a red car."  I will advise you against the "red car," but if you insist, you're the boss.  Call or email for a free analysis ... I can probably tell you "yes" or "no" in 5 minutes.  5 minutes to save possibly hundreds of thousands of dollars?  No hard sell, I have never put myself in a position where I have to hard sell anyone.  You will come away impressed after conversing with me.  And possibly much richer in the future.  I am a character but 9 out of 10 really enjoy my "Dr. House" of real estate financing personality. 

Tapping into your home equity is harder than ever before, but certainly possible.  There are many opportunities out there for high yielding real estate investments.  Short sales, foreclosures, distress selling, etc.  You've been paying down your balance, planned wisely for this economic quagmire we're faced with today. Tap into that wealth and reward yourself. We'll help with the best program to fit your goals.

I will give you the personal attention you deserve and treat you with the respect due a valued customer. I understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So I make a commitment to you.  I will help you qualify, apply and be approved for the right mortgage loan for your individual needs and economic optimization. 

Please navigate our website to learn more, what I can do for you, and how easy it is to get started. Give Terry Akiyama a call today to discuss solutions!  (650) 347-8828 x288