We find most of our clients feel scared, nervous, and insecure about their financial plan and choosing which mortgage is right for them.  How we’re different, is after meeting with us, we want you to feel safe, secure, and comfortable, and be confident that you’re on the right path to meet your short and long term financial dreams and goals.  Experience the difference working with the North Bay’s premier home loan lender and contact us today; we look forward to making the mortgage process as easy and simple as possible for you. We're licensed in California, Nevada, Idaho, Utah, Tennessee, and Hawaii.  We specialize in reverse mortgages and first time homebuyer down payment assistance programs.