Hi All,

 

Thanks for visiting our new web site. We dedicate it to you; our friends, family, clients and future clients.

 

As this site evolves, we are sure you will find it interesting and informative.

 

Whether you are currently one of the fortunate residents of this beautiful area or, someone who wishes they were......this site is for you. We encourage and welcome all of your ideas and suggestions.

 

We are obviously going to display current news about interest rates, new and specialty loan programs, and properties for sale. Along with this, we will have fun sharing all manner of pictures and information about upcoming events, local news, etc.


You can participate by sending us pictures and vignettes you think accurately portray life on the Central Coast.   The folks who are our neighbors here will recognize and appreciate them and the people who are visiting the site, with the thought of relocating, will get a feel for what life can be like in this great area.

 

Thank you for your continued support- enjoy.
 
Our Staff PDF Print E-mail
Ron (Tiny)

Ron Mullins

Since 1979

Owner

of Mortgage, Real Estate and

Escrow

Companies

 

Angel (Tiny)

Angel York

Since 1991

Public Relations and

Marketing

 
Gloria (Tiny)

Gloria Johnson

Since 1982

Underwriter,

Funder and

Loan Processer

 

AARON (Tiny)

Aaron Alderson

B.S. Business/ Finance Cal Poly SLO-

Since 2002

Construction Management,

Real Estate and Real Estate Finance

 
Brianlg (Tiny)

Brian Lardner

Since 1976

Real Estate and

Real Estate

Finance

 
 


 

We have over 100 years combined experience in the mortgage business.

 

90% of our activity is a result of repeat referral business.


 

We believe in exploring all options in helping you find the best possible purchase or refinancing options available.

We have developed personal relationships with our lenders and have access to many loan programs.

We will take the time to explain all of your options so you can choose which program will work best for you.

Whether you’re purchasing a new home or re- financing your existing one, our goal is to provide you with the best possible fit for your circumstances.

 

Here are a few of the mortgage programs that we offer:

 

  • Conventional: (up to $417,000.00) 30 year fixed as little as 5%down
  • Hi Balance Conventional: (from $417,000-$687,500) with as little as 10% down
  • Construction/Permanent
  • FHA: As little as 3.5% down
  • VA: $0 down to qualified veterans
  • USDA: As little as $0 down (subject to qualifying income limits depending on the size of the family)
  • Farm/Ranch/Ag loans: up to $3.5 million –no limit on acreage- income producing agricultural property ok- must have primary or secondary home

 
 

Interest Rates

Current Interest Rates:

September 2, 2010

 

Conventional 30 year fixed rates: 4.25

Conventional 15 year fixed rates: 3.75

 

High Balance ($416,000-$687,500)

30 year: 4.375  15 year: 4.00

 

VA/FHA: 4.25

 

We also have loans for construction,

land, commercial and jumbo loans.  . 

 

Feel free to give us a call with

any questions at  (805) 238-5626