When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.

Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.

2009 Tax Credit for First Time Buyer INFORMATION

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WE HAVE TEAMED UP WITH SOME OF THE MOST EXPERIENCED REALTORS to get you the best deals available. As we all know there our many foreclosures available in the market place. With out an Experenced Team of a Loan officer and REALTOR you are leaving THOUSANDS of dollars on the table. We are here to Explain the Process and fully disclouse all aspects of the process of buying your new home. It is a buyers Market the power lies with you.  We are here to help you get the best loan (which fits your needs) and Home for you and your family.

Mission Statement

Hi My Name is Rick Terrazas I have been in the mortgage industry for 20 years. When I first started in the industry mortgage rates were hovering around 11.% my first loan was a refinance for a father of 3 living in Pasadena California at 10% rate and term. I have always prided myself in this industry in helping people get the loans they need to better their lives and make sure they kept a roof over their families. I help many families and investors make the right choices to assure them that the biggest investment was a good choice and explained all products I had. My job was to understand all type of loans Government (FHA VA RUAL) and Conventional loan products to make sure a client had an option to get the best rates and terms they were looking for.

In times like these many people in this market are looking for some one they can trust and have experience to explain to them all the choice they have.

My Job is to  give you the personal attention you deserve and treat you with the respect due a valued customer. I understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So I making a commitment to you. I will help you qualify, apply and be approved for the right mortgage loan for you. Not anyone else!

Please navigate my website to learn more about myself and my company.