We are a full-service combined mortgage broker-direct lender, and real estate sales firm operating throughout Northern California especially the San Francisco Bay Area. As Senior Loan Officer (with an extensive finance background), I specialize in difficult to fund transactions for purchase or refinance of residential, commercial, or church properties. We are a HUD approved FHA lender and also do extensive SBA financing. Finding creative solutions for distressed homwowners is a major focus of current activity, including note purchases and loan restructuring.