Your Best Loan Solutions

We’re committed to delivering outstanding service to our customers. Our Mortgage Loan Originators are some of the best in the mortgage industry.


People refinance for a number of reasons. You may like to consolidate first and second mortgages, get a lower interest rate, or lower your monthly payment.

Apply For A Loan

The personal loans industry is competitive, with hundreds of lenders competing for the attention of borrowers.

Credit Check

Before starting the application process for any kind of loan, it’s a good idea to review your credit.

Income/Employment Verification

 A process where a lender reviews the information you’ve shared, and gives you a loan offer that you might qualify for.

Property Appraisal

Real estate appraisal, property valuation or land valuation is the process of developing an opinion of value.

Lock Your Rate

A rate lock is a guarantee from a mortgage lender that they will give a mortgage loan applicant a certain interest rate

Close Your Loan

Once you’ve submitted your loan application, the lender will review it, decide whether to approve you for the loan.

Work with a Team of Talented Brokers

Let our licensed experts help you navigate today’s complicated lending and real estate environment.  Our mission is to serve our customers with honesty, integrity and knowledge. Our goal is to provide lending and real estate solutions custom tailored to our client’s unique needs.

  • Home Refinance
  • Home Purchase
  • Home Equity
  • Reverse Mortgage



We Know What Works, And What Doesn’t.

We have a comprehensive range of competitive products and its experienced team provides support on all aspects of loan management. 

When dealing with us, you’ll have the benefit of being able to submit a single application that will be assessed against a range of funding options

More Successful Programs

We have a comprehensive range of competitive products and its experienced team provides support on all aspects of financing for your home.

Purchase Home

Prepare your finances – before leaving the gate


Potentially lower your monthly mortgage payment

Home Equity

Borrow against available equity with your home as collateral.

Answers to Your Questions

What is the difference between pre-approval and pre-qualification?

The pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer..

What are the other types of loans?

Stated income/verified assets: Income is disclosed and the source of the income is verified, but the amount is not verified. Assets are verified, and must meet an adequacy standard such as, for example, 6 months of stated income and 2 months of expected monthly housing expense.

What is a pre-qualification?

This is the process of determining whether a customer has enough cash and sufficient income to meet the qualification requirements set by the lender on a requested loan.

Will I save money going directly to a mortgage lender?

Not necessarily. In fact, if you are a reasonably astute shopper, you will probably do better dealing with a mortgage broker. Mortgage brokers do not add any net cost to the lending process, because they perform functions that would otherwise have to be done by employees of the lender. Furthermore, because mortgage brokers deal with multiple lenders — in a typical case, 25 to 30, sometimes more — they can shop for the best terms available on any given day. In addition, they can find the lenders who specialize in various market niches that many other lenders avoid, such as loans to applicants with poor credit ratings, loans to borrowers who do not intend to occupy the property, loans with minimal or no down payment, and so on.

What is conforming loan?

A loan eligible for purchase by the two major Federal agencies that buy mortgages, Fannie Mae and Freddie Mac.

Let's Work Together!

Customer service is our top priority as we go out of our way to ensure our customers have the smoothest transaction.


16151 Cache St, Fountain Valley, CA 92708


Ocogi Inc.


[email protected]