Residential Mortgages: Expertise in various home loan products, including fixed-rate, adjustable-rate, FHA, VA, HELOCS, Reverse and Bridge loans.

Commercial Loans: Knowledge of financing options for commercial real estate, including multifamily housing, retail, and office spaces.

Refinancing: Specializing in refinancing options to help clients lower their interest rates or tap into home equity.

First-Time Homebuyers: Experience in guiding first-time buyers through the mortgage process, including education on available programs and grants.

Credit Analysis: Proficiency in assessing and improving clients' creditworthiness to enhance their loan approval chances.

Loan Structuring: Skill in structuring loans to meet specific client needs, including terms, rates, and repayment plans.

Portfolio Management: Expertise in managing a diverse range of loan products within a financial institution’s portfolio.

Regulatory Compliance: In-depth knowledge of lending regulations and compliance standards to ensure all processes meet legal requirements.

Customer Relationship Management: Strong focus on building and maintaining relationships with clients for repeat business and referrals.

Market Analysis: Ability to analyze market trends and provide clients with insights on the best times to buy or refinance.

Investment Property Loans: Knowledge of financing options for clients looking to invest in rental properties.

Specialized Programs: Familiarity with niche lending programs, such as loans for self-employed individuals or those with unique financial situations.

Specialties

About Us

We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you.

MEET STEPHANIE Pedley

Stephanie Marie Pedley has been in the Mortgage Industry for 32 years and is considered an expert. Her experience is underwriting and sharp attention to detail makes her an extra special Loan Originator.  She has been licensed by the California Department of Real Estate since the late 90's and enjoys meeting her clients face-to-face for a more personal  mortgage experience.  Since Stephanie is a Mortgage Broker, she has the ability to get the lowest market rates and fees available.  Not only will she handle the Loan Officer responsibilities, she will also process your loan with the care only she can provide to expedite your loan efficiently.  She is licensed in the states of California, Colorado, Ohio and Tennessee.



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