Baycal Capital Services, INC. and Aurora Realty

True! As opposed to an FHA loan, which can only be used to purchase a primary home, conventional loans can be used for all three options - primary, secondary, and investment! Looking to purchase one of these? Call today us today 209-612-6285

LESS paperwork, MORE efficient, safe and secure from start to finish. Apply in minutes and you’ll see, mortgage applications have never been this easy! Call us today, we'll guide you every step of the way 209-612-6285

Does a home of your own feel like a fairytale? Let me help you rewrite your story with more options and support than you thought was possible. Call us today to start your new chapter 209-612-6285

A few dollars short of your down payment goal? All is not lost! You can still use gift funds to purchase your home. Ask us how 209-612-6285

You’ve built outstanding credit, so you deserve an outstanding rate! Call us today to find out more 209-612-6285

Increasing your credit score can increase your chances of qualifying for a home. Here are a few simple ways to make it better! 1. Pay down debt 2. Pay your bills on time every time 3. Keep credit card balances low

When you’re ready to start searching for a home of your own, step #1 is to call us. Why? To get a better idea what type of mortgage you can qualify for and exactly how much you can afford super helpful for narrowing down that long list of properties and neighborhoods 510 537-1900 DRE # 01900450 NMLS# 294418

You know your credit is important, but these five factors can impact it the most. Start taking charge of your credit by reaching out for guidance before you apply for that home loan. Call us now 510 537-1900 DRE # 01900450 NMLS#294418

Competitive? We are too. Competition among independent mortgage brokers like us typically means lower (better) rates and faster close times. See what we can do for you 510 537-1900 DRE # 01900450 NMLS# 294418

Found a home you love? Make sure it fits in your budget before you submit your mortgage application. Call us today to get pre-approved 510 537-1900 DRE # 01900450 NMLS# 294418

If one of your new year’s resolutions is to own your own home, there’s no time like the present. Take the first step by calling us we’ll walk through your goals, credit and income to land on a price range you can afford 510 537-1900 DRE # 01900450 NMLS# 294418

The best part of moving into a new home? All the new memories you’re about to make. Close second? Popping the bubble wrap. Happy #NationalBubbleWrapAppreciation Day!

Unlike the people at your bank, we are specialists - licensed specialists - who only do mortgages. Call us today to get started 510 537-1900 DRE # 01900450 NMLS# 294418

One surefire way to lower your debt-to-income (DTI) ratio is to pay off credit card debt, car loans, or other loans. A lower debt-to-income ratio will improve your financial health, and your mortgage loan approval odds.

If you’ve always wanted to live someplace exotic, your home equity could make wintering in warm-weather locations like Costa Rica possible. Use the cash you have invested in your primary residence toward the lifestyle you always wanted. Call me to learn more 510 537-1900 DRE # 01900450 NMLS# 294418.

Ready to use your equity on something grand? Right now could be the right time. Call us today 510-537-1900 BRE# 01521630 NMLS# 237585

Allow us to clear something up: you can have a low down payment AND a low rate. Call to see if an FHA loan is the right fit for your mortgage needs 510-537-1900 DRE # 01900450 NMLS# 294418

Planning to start a family soon? Securing the extra space now could save you lots of stress later. If you’re ready to set roots, reach out! We’ll make the home buying process easy. Call us 510-537-1900 BRE# 01521630 NMLS# 237585

Ready to recalculate your mortgage payment? Now could be a great time to do it! I’ll work with multiple lenders to find the best refinancing options and help you seize your opportunity to save. Call us 510-537-1900 BRE# 01521630 NMLS# 237585

JUST LISTED- 1518 Rieger Avenue Hayward, CA $669,900 2BEDS 1BATH... Home is nestled in a well kept neighborhood. Another plus, the home is in close proximity to the 880 freeway and 92 Highway The exterior of the home has been recently painted and in the living area has been modernized with recessed lighting. The home has a bonus room with a private entrance that can be used as a 3rd bedroom or office. It also has two storage sheds See more

Considering leaving the renter’s life behind? Now could be the perfect time, but you’d have to weigh your options to know. I’ll help you figure out exactly how much homeownership will cost it may be less than your rent! Call to find out! 510-537-1900 BRE# 01521630 NMLS# 237585