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Real Estate Loans (Realloans) 

Welcome!!! We provide quick and affordable financial solutions for our clients for both residential and commercial properties. What sets our team apart is that we build the loans primarily around our clients' needs and interests no matter how simple or complex their financial situation is today. The best way to reach me, Rick Tobin (Broker/Owner), is by email ( or by phone: (760) 485 - 2422. 

Residential Loan Products

Our financing options currently available and are subject to change for owner-occupied and non-owner occupied residential (one-to-four unit) properties include:

* 30-year fixed
* 15-year fixed
* FHA loans
* VA loans - No money down up to $1.5 million (purchase & cash out refi to 100% LTV)
* Hybrid loans: 3/1, 5/1, 7/1, and 10/1 (3 to 10-year fixed)
* Jumbo loans up to millions of dollars
* 2nd home and non-owner occupied investment properties

* Interest-only loans for lower monthly payments 
* Lower FICO credit scores at exceptional rates (Non-QM)
* Debt consolidation loans (pay off credit cards, student loans, car loans, etc.)

* Stated income loans (qualify off of bank deposits and P&L statements)
* Cash out loans up to very high LTV (loan-to-value) ratios with or without income verification
* Very flexible DTI (debt-to-income) ratio allowances up to 60%

* Reverse Mortgages (a mortgage and insurance hybrid with no monthly payments) 

Online and paperless or doc-less loan applications and fundings: We have the ability to email you links to online applications that can be automated and underwritten for quicker approvals without any paper copies (W-2s, tax returns, bank statements, mortgage records, etc.). Our financial partners' underwriters can obtain your records electronically within minutes in many cases. So, you can apply for a mortgage, get approved, and sign the loan documents all within the comfort of your home in just 15 days or longer from start to finish. 

To learn more about our 2nd home, rental property, VA, and FHA mortgages, please click on my June and July 2020 articles below about these incredible and affordable loan programs:
Vacation Rental Investment Opportunities 

VA and FHA Mortgages & the Housing Boom (Part I) 
VA and FHA Mortgages & the Housing Boom (Part II) 

Our Solid Financial Partners: My main financial partners for residential (one-to-four unit) mortgage loans include the largest wholesale (loans through brokers) and retail (loans direct to consumers) mortgage lenders in America who funded over $300 billion dollars in mortgage loans combined in 2019 alone. 

Attention Real Estate Licensees: We offer mortgage loan flyer creations for your listed properties in certain regions. To learn more details, please send me your listing terms and we'll create a professional flyer that lists one or more potential mortgage loan options for your specific property listing that may help you sell your listings faster. 

Credit Analysis & Repair: I've written about how to repair credit reports and personal FICO credit scores for many years in blogs, printed magazine articles, books, ebooks, college textbooks, and in real estate courses in upwards of 30 states for some of the largest educational firms in America that I also share for free with my clients. We have access to free or very affordable credit repair systems that can quickly boost FICO credit scores for our clients that will greatly reduce our clients' interest rates, monthly loan payments, overall closing costs, PMI (private mortgage insurance) payments for 80%+ LTV loans, and required down payments. 

All listed loan programs are subject to change, depending upon factors such as current financial market condition. 

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