A Little Knowledge
Goes A Long Way!
For most, buying a home or investing in real estate is the most expensive purchase we will make in our lifetime. New and seasoned homeowners a like, deserve a fair understanding of both the process and the costs involved with a real estate investment of any size.

Often there are questions or particular circumstances that need to be addressed before you can move ahead with a mortgage. The Home Smart Benefit Program is a comprehensive source for information, education and resources to help homeowners and home buyers obtain the right loan at the lowest cost.

As an advocate for the consumer, the Home Smart Benefit Program offers access to objective information and honest advice from licensed mortgage professionals who will help clarify, educate and generally take the mystery out of the loan process, all without the pressure to obtain a loan or purchase a home.

Let one of our Mortgage Specialists assist you with:
    - Residential mortgages
    - Reverse mortgages
    - 1031 Exchanges
    - Cal-HFA mortgages
    - Construction loans
    - Multi-family, Commercial Construction and Commercial loans

Different types of loans require a special skill-set of knowledge and resources. Using an experienced loan professional for a specific type of loan saves time and money for the consumer.

At the heart of the Home Smart Benefit Program, is a Wholesale Broker Network with over 450 lenders including ALL major banks. These lenders consistently compete for the opportunity to provide a loan for Home Smart Benefit clients at the lowest interest rate available. Wholesale loans are always less expensive than retail loans and with Home Smart, consumers can depend on personalized service. In addition, a large network of lenders means flexible lending solutions for the easiest and the most challenging loan situation.