Welcome to my Secure Website, my name is Alix Pinzon - with Southern California Mortgage Lending and I want to be your Mortgage Savings Expert for life.  I work with all the major lenders in the industry and I work hard to find you the best deal from every lender! A list of just a few of the lenders I work with:

* Wells Fargo * Citibank * National City * Countrywide *  Bankers West Funding * Chase * Assurity Financial Services * First Mortgage Corporation * Stearns      * PMAC * First Guaranty Financial Corp * Flagstar Bank and many more.

How do I do this? Great question and its an easy answer, the banks and major lenders pay me to find them borrowers because they respect my licensing, education and experience. They know that I will find them great borrowers just like you and work hard for you. This means you get the same great loan with no additional costs involved. I save you time, money and unlike dealing with a bank I can shop your loan with all the lenders in the industry. This means you get the best loan possible! 

Areas I specialize in:

* Los Angeles County * Riverside County * Orange County * San Bernardino County * San Diego County * Kern County * Ventura County * Downey * Los Angeles * Montebello * Long Beach * San Fernando Valley * Santa Ana * Brea    * Placentia * Fontana * Santa Fe Springs * Fullerton * Inland Impire * Anaheim * Whittier * So Cal * Norwalk * Bakersfield, and all areas of Southern California!

With so many loan options available, which one should you choose? There are several mortgages that I recommend my clients consider when planning for a new mortgage. Many even have No Cost Options.

30yr / 40yr / 50yr Fixed (0-80% LTV, 90-100% Single LTV) - Although most people refinance, buy or sell every 3-7 years (Ask yourself how many years in between your Refis, Sales, Purchase?) Some people want the feeling that rates will stay the same throughout the life of their loan. I have never met a client whom has keep a loan for 30yrs, but some may think they might. I can appreciate that, but do not recommend them because historically they have higher payments than Hybrids and give you no flexibility in hard times. Also the fact that they do not offer the fianancial flexibility of a hybrid loan. I also do not recommend  15yr loans because you can achieve the same thing with a 30yr or 40yrloan and they are generally not much lower in rate. I can show you how to achieve the same goal with a 30 yr while giving you more flexibility and options in hard times if you need it, without having to refinance again. It is possible to go to higher LTV's with these loans but will either require PMI or a concurrent second. The 40/50 yr has become popular recently because it offers a lower payment but usually is due in 30 yrs and the rate is higher than a 30 yr which balances out to not being much lower in payment. The hybrid I/O loan offers more lower payment options with the flexibility in payment that the 30yr fixed P/I (Principle & Interest) cannot offer.

Buying a new home?  I can help you find the best loan for new construction, development homes, listed homes and even for sale by owners. I can help you find a great home through my professional network saving you money by using special realty techniques to get you the best deal. Although the process can seem stressful, let me help you achieve your goals and dreams. You don't pick a house that is best for someone else, you pick the one that's right for you! Trust me to find the mortgage loan that best fits your needs, too. "Trust in me to do you right" 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! I can help you get there. Ownership has its benefits!

Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! I make it easy and worry-free to reduce your interest rate and monthly payment. I can even help you pay down your balance more quickly for comparable monthly payment. Let me guide you to the very best financing available in the industry!

Tapping into your homes equity is easier than ever before. You've been paying down your balance, and property values have gone up! Tap into that wealth and reward yourself or Invest! I'll help with the best program to fit your goals. Let your equity work for you and not you working for the equity.

Your Future - My goal as a professional in the industry is to make sure that I am putting you into a loan that will meet your needs now and in the future. Trust me to keep your future best interest in mind when I plan a home loan strategy for you.

My Promise to You - I promise 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 your mortgage or cashing out your homes equity. So I make a commitment to you. I will help you qualify, apply and be approved for the right mortgage loan for you with the respect you deserve.

I Want YOU as my Client - I want you as my client and hope we can create a relationship that will last a lifetime. I truly care about my clients and want what is best for you now and in your future. The personal service, friendship and the best loan options available, means you are getting the best deal in Real Estate Ownership Financing.

Please navigate my website to learn more about Real Estate Finance, what I can do for you, and how easy it is to get started.  Please call or e-mail me with any questions you may ever have.  My door is always open and I would love to hear from you.

 

Alix Pinzon, Loan Professional    So Cal Mortgage Lending    8141 2nd St., Suite 610    Downey, CA 90241    Phone:   (562) 743-6086    E-mail:  alixpinzon@hotmail.com

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