What are our clients saying?

Had a previous experience with my credit union in which I was literally forgotten and missed a great interest rate. Ruthie does not do that - she and her staff were responsive and helpful from the first time I contacted them. They were on top of everything and I felt they were very honest and great at what they do.

Rodney Dunne - Folsom, Ca

Ruthie is spot on as far as info regarding a refinance. I decided that I would not proceed but not because of her, she helped me to analyze my situation and it seemed best to hold off for a bit. I would highly recommend her.

Jorge Sanchez - Rancho Santa Margarita, Ca

I refinanced my loan, it was painless and went without a hitch. They took the time to find the perfect program for my needs. These guys really seem to care about the borrower. Highly recommend this company!

Adolfo Bonilla - Claremont, Ca

Overall, the experience was a very good one. The amount of documentation necessary is unreal these days, but these guys were persistent in following up and making sure we were getting the documents back to them. Everything was scanned, emailed & by phone, and the notary even came to our house. They certainly...

Donna Atkins - Redding, Ca

Good support team. Efficient & responsive to questions. Fees were consistent thruout the market place. They were far more on the ball than the 2 major banks that I worked with.

Bonnie Laposky - Valencia, Ca

Ruthie was extremely knowledgeable, honest and helpful.

Jan Schlessinger - Apple Valley, Ca

I'm an investor, Ruthie is very insightful in choosing properties for me to buy. I don't like to brag but she has helped me make a lot of money. I've always trusted her implicitly when buying/selling real estate. The mortgage business is no different!

Judy Wong - Phillips Ranch, Ca

Apply Now

Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval."  We'll contact you once your app is submitted.  
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Purchase A Home

Whether you're buying your first home or your dream home, we have a mortgage solution for you.  Don't be afraid to ask about our down-payment assistance programs that we can layer with your loan!


Refinance Your Home

We're committed to helping you refinance with the lowest rates and fees in the industry today. Ask about our assistance programs & our low rates, calculate your payment, or start the process today!


Your Customer Experience Is Our Most Valuable Asset!

Hundreds of loan programs plus down payment assistance programs 

Be empowered with the tools to make the easiest, yet wisest loan choice specific to you

Low rates with low/no loan costs and awesome customer service

Track the status of your loan from the comfort of your computer or mobile device

Personalized solutions on-line, by phone or person-to-person

                           s in Upland

and laVern

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