The O.C. Mortgage Specialist
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Our proprietary loan placement software matches your mortgage application with lenders having the lowest interest rate and closing costs. Rest assured knowing you're getting the very best loan scenario and broker pricing. We offer a diverse array of mortgage loan products suited to borrowers with Excellent to Bad Credit.

Perfect option for self employed borrowers needing to show their actual cash flow for qualification purposes. This Program Qualifies Borrowers Using Liquid Assets and Does Not Require Employment or Income to Justify Loan Repayment. Very similar application process to a U.S. citizen who wants to purchase or refinance a home in the United States.
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Nicholas Panos has had a distinguished career in the Mortgage Banking and Real Estate Industries. He gained valuable and in-depth knowledge of the lending process from his 10 plus years of combined experience as a Loan Officer and Real Estate Agent. During the process, he discovered how critical it was for all related parties to work collectively to best serve the client and meet critical time deadlines.
A: No, you don't need perfect credit. There are loan programs available for borrowers with credit scores as low as 500. Obviously, the higher your credit score is, the better the terms you'll get and the more you can borrow, but even borrowers with less-than-perfect credit can get a mortgage. A: Yes, there are loan programs available that use 'alternate' credit.
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