Need Assistance? Call Us Mon-Fri: 8:00am-7:00pm Sat: 10:00am-3:00pm (949) 353-6267


We sent you a free property appraisal to help determine your home's value. This free appraisal worth $500 can be used to determine your new loan amount on our 3.125% 30 year fixed program. Your Chapter 13 discharge is okay 1 day after discharge with this program.

Sometimes life just happens. We typically don’t plan on racking up huge medical bills, get divorced, or lose a job, but it can happen to any of us. Why should we be punished? If you’ve declared bankruptcy and paid your debts, you shouldn’t have a mark on your record for life. You deserve a fresh start and we plan to give it to you. Bankruptcy is difficult but if you make it out to the other side, you deserve a second chance. We have no waiting period.

We close loans for homeowners that most lenders turn down. We do manual common sense underwriting so we look at the individual, not a computer analysis. We can get you cash out if needed while reducing the interest rate and payment. The first step is to APPLY NOW and provide the checklist of items so we can get you a manual approval. We can also resend the property appraisal if you enter your information below.


Please Fax to 888-512-6610 or scan/email to or UPLOAD HERE :


- Most recent monthly mortgage statement 

- copy of homeowner's insurance (declaration pg 1)

-copy of state driver's license (both borrowers)

-copy of 2 most recent paystubs

-copy of 2019 & 2018 Federal tax returns (all pages and schedules)

-copy of 2019 & 2018 W2s





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