(760) 943-6777
  • 			    Helping you to create a brighter future is what we do best!

    Helping you to create a brighter future is what we do best!

  • 			    Whatever type of home loan you need...We're here to find the right fit for your situation.

    Whatever type of home loan you need...We're here to find the right fit for your situation.

  • 			    With over 25 years in the industry, you can trust us to answer all of your questions and walk you through the loan process.

    With over 25 years in the industry, you can trust us to answer all of your questions and walk you through the loan process.

I've only been late a couple of times on my credit card bills. Does this mean I will have to pay an extremely high interest rate?

Not necessarily, if you've been late with your payments less than 3-times in the past year, and the payments were no more than 30-days late, you still have a good change at getting a competitive interest rate. Most lenders will accept certain reasons for this like an illness, or job-change, but explanations are required.

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