Acurus Home Loans

We offer wholesale mortgage loans which means we offer some of the lowest rates in the state. As a wholesale lender brokerage we have less overhead than a traditional bank, retail, or lending institution and therefore fewer fees passed on to our customers. We work with the leading lenders who leverage technology to make the lending process faster, simpler, cost saving, and less stressful. We can offer rates others can't, or aren't willing to; helping you find the lowest monthly payment possible.

In a world where things feel more and more disconnected we love to have a personal touch. You can reach out via a traditional method like calling, texting, direct message, and email or jump into our online portal via the website link to answer some key questions. Either way we want to get to know you and your story, goals and current capabilities so we can know how best to support you. We'll have some personal and financial questions which will help us be able to pre-approve, pre-qualify, or pre-underwrite a home loan for you. It's not an obligation to purchase a home, but rather a tool to help you go shopping with; unless of course you already have a place in mind. If you have a Real Estate Agent already then that's great, or we can put you in touch with some of the best. Either way, they'll want to hear from me before helping you shop. I can help you with almost any residential property in California; Condo's and Cooperatives to Single/Multi-Family Homes and Mansions. The first step is reaching out. When would you like to get started, today?

More uniquely, I served in the military, specifically the U.S. Marine Corps, with combat deployments, so I am a Veteran. What does that have to do with Real Estate? Aside from helping establish core values, work habits, and professionalism, very few Loan Officers in the Mortgage lending world have served in the military so they might be able to push paperwork for a VA loan, but most don't know what it means to be a Veteran; that's where I can relate, maybe swap some stories, and offer additional support or resources. Required of any professional Loan Officer I have taken courses related to Real Estate nationally and specifically for California, as well as courses covering national lending laws and procedures. I hold two licenses; one for the California Department of Real Estate (# 02123479 ) and one for lending, registered with the National Mortgage Licensing Service (# 2007340).

I've always enjoyed Real Estate and architecture. My family invested in Real Estate. I got into the Real Estate world after sharpening my entrepreneurial and business skills through the Rich Dad, Poor Dad organization. Through both their coaching program and Elite training program I traveled to seminars around the country learning and developing myself and establishing a corporate structure focused on Real Estate investing, particularly the wholesale market. Early on, and still today, I worked with other business partners and associates in the tax-defaulted market striving to use better ethical and honorable practices. By fairly and respectfully helping other's who had found themselves in unfortunate home and financial circumstances we were often able to provide owners with the most value for their home before losing it to the county. We then cleaned and prepared each property for a investor to update or refurbish, unless my associates decided to do it themselves.

All kinds! I've worked with hundreds of customers in the Bay Area, in California and those coming from across the nation. I've worked with a large portion of retirees who often have very significant, very diverse, and/or very limited financial portfolios. While most Loan Officers are experienced with the standard loan type and typical home or community, I have had significant additional experience dealing with the nuanced challenges of Cooperatives, Condominiums and retirement Homeowners Associations. I've worked with Millennials and Gen Z as first time homebuyers, investors, corporate executives, ministers, tech-experts, and tradespersons. Every person and every family has a uniquely fun story to unravel for their home. What's yours?

8 Months or 16 Days.... I recently closed two clients. One client I started with in summer of 2021, eight months before closing, and the other I'd known personally for over a year. The first client was an executive, business owner and investor, the other client is a teacher and tradesperson. Both clients started with one lender and ended with another; very unusual! After months of communication and preparation with the first client they were finally ready to start the loan process. The second client came to me after a family loss and needed help with an inherited home. I started both clients with a lender who we initially trusted to be detailed and methodical; with these two files they wanted to review our 25+ combined years of underwriting professionalism to ensure my clients files were well prepared. After two months of submitting, waiting, reviewing, processing, additional document requests and professional/client impatience we severed ties with the lender and took our clients elsewhere; a risky and trusting move. We were so prepared for the second lender that we pushed both loans through in 16 days and closed with very happy, very relieved, clients. Our pride and pockets were lighter, but we served our clients well!

1) Find a Wholesale Mortgage Broker! - Brokers are better; better for you, better for your pocketbook, better options, rates, prices, better technology, better service, did I mention they're better....!? Wholesale brokers partner with multiple lenders so they can present you with more options to meet your goals; so communicate your thoughts, wishes, dreams, and goals. 2) Trust, proficiency and a personal touch. - A Loan Officer must investigate the details of your financial world; find someone you trust, someone who is efficient, professional and communicates with enough personality to not treat you like another member in line. 3) Get ready before you go shopping! - Do you show up for a date and then ask the person out? Do you show up to a home and then ask for a loan? Just because you show up for a date doesn't mean you're committing to a relationship; similarly, getting pre-approved for a loan doesn't mean you're committing to buy the home. Both markets are hot, you have to be prepared in case you choose to commit; otherwise, someone else gets the honor.

1) Are you financially ready? - Monthly income to debt ratio (credit reporting debt) less than 49%. Good credit. Enough for a down-payment of 3.5% or more. 2) Are you pre-underwritten? It's a purchase market, meaning there are only a few homes and a whole lot of offers to buy them. If you want to win you must be prepared with the strongest offer. 3) What are your goals? - Length of time you plan to be in the home: 10, 15, 30 years... family growth, downsizing, home-improvement, retirement, size of home, responsible cost you are willing to commit each month, etc. 4) What payment do you want each month? - Most people who need a loan start asking about rates, but rates are different for every single situation. Sure, overall they go up and down and the rate is a large factor; but so is the size of the loan, your debt to income ratio, your credit report and score, the value of the home vs the % of that value you borrow. So start by asking what kind of payment you want and then we'll work backwards to find the best rate. 5) There's so many questions... reach out and ask them.