Why pay high fees to a bank? Let us show you how we can offer
the same or lower rates at "no cost"!

"No Closing Cost" Loans

How does the "No Closing Cost" fixed rate mortgage work:

• We pay all of the lender and third party fees such as your origination fees, underwriting, and title-related charges.

• All you pay is your prepaid interest and no other fees will be added to your closing statement.

• Lock in a fixed rate and get peace of mind with predictable monthly payments.

• We offer Wholesale rates vs. Retail rates, why pay thousands of dollars for a higher interest rate.

We cover all of the necessary fees at closing - an average of $2,895.00, including:

• Credit Report and Tax Service Fees

• Flood Certification, Wire and Postage Fees

• Processing, Underwriting and Settlement/Closing Fees

• Lender Title Insurance and other Title-Related Charges

• Government Recording and Transfer Charges

Our Certified Mortgage Consultants guide you through a straightforward refinance process from start to finish, so you're not surprised by any unexpected twists and turns. There are no hidden fees or terms, and you'll also receive an easy-to-follow Good Faith Estimate in writing upfront from us.

Quick Quote

Don't Wait! Find out about your options Today!

* Loan Amount: Less than $100,000 $100,001 - $110,000 $110,001 - $120,000 $120,001 - $130,000 $130,001 - $140,000 $140,001 - $150,000 $150,001 - $160,000 $160,001 - $170,000 $170,001 - $180,000 $180,001 - $190,000 $190,001 - $200,000 $200,001 - $210,000 $210,001 - $220,000 $220,001 - $230,000 $230,001 - $240,000 $240,001 - $250,000 $250,001 - $275,000 $275,001 - $300,000 $300,001 - $325,000 $325,001 - $350,000 $350,001 - $375,000 $375,001 - $400,000 $400,001 - $425,000 $425,001 - $450,000 $450,001 - $475,000 $475,001 - $500,000 $525,001 - $550,000 $550,001 - $575,000 $575,001 - $600,000 $600,001 - $625,000 $625,001 - $650,000 $650,001 - $675,000 $675,001 - $700,000 $700,001 - $725,000 $725,001 - $750,000 $750,001 - $775,000 $775,001 - $800,000 $800,001 - $825,000 $825,001 - $850,000 $850,001 - $875,000 $875,001 - $900,000 $900,001 - $925,000 $925,001 - $950,000 $950,001 - $975,000 $975,001 - $1,000,000 $1,000,001 - $1,100,000 $1,100,001 - $1,200,000 $1,200,001 - $1,300,000 $1,300,001 - $1,400,000 $1,400,001 - $1,500,000 $1,500,000+

* Property Value: Less than $100,000 $100,001 - $110,000 $110,001 - $120,000 $120,001 - $130,000 $130,001 - $140,000 $140,001 - $150,000 $150,001 - $160,000 $160,001 - $170,000 $170,001 - $180,000 $180,001 - $190,000 $190,001 - $200,000 $200,001 - $210,000 $210,001 - $220,000 $220,001 - $230,000 $230,001 - $240,000 $240,001 - $250,000 $250,001 - $275,000 $275,001 - $300,000 $300,001 - $325,000 $325,001 - $350,000 $350,001 - $375,000 $375,001 - $400,000 $400,001 - $425,000 $425,001 - $450,000 $450,001 - $475,000 $475,001 - $500,000 $525,001 - $550,000 $550,001 - $575,000 $575,001 - $600,000 $600,001 - $625,000 $625,001 - $650,000 $650,001 - $675,000 $675,001 - $700,000 $700,001 - $725,000 $725,001 - $750,000 $750,001 - $775,000 $775,001 - $800,000 $800,001 - $825,000 $825,001 - $850,000 $850,001 - $875,000 $875,001 - $900,000 $900,001 - $925,000 $925,001 - $950,000 $950,001 - $975,000 $975,001 - $1,000,000 $1,000,001 - $1,100,000 $1,100,001 - $1,200,000 $1,200,001 - $1,300,000 $1,300,001 - $1,400,000 $1,400,001 - $1,500,000 $1,500,000+

* Property Type: Single Family Condo Townhome 2-4 Unit Commercial

* Loan Type: Purchase Refinance Refinance - Cash Out

* Name:

* Email:

* Phone Number:

* Zip:

* Credit Score: 740 - 850 720 - 739 700 - 719 680 - 699 660 - 679 640 - 659 620 - 639 0 - 619

• "I just closed a loan via Steve Oka and it only took about three weeks. I communicated with him via phone and email and fax and everything went smoothly with no snags. He was professional on every level but frankly what I care about the most is he delivered what he said he would. He never tried to change the terms on me or do anything sneeky or questionable. I would use him again in a heartbeat. In fact Steve if the rates go down substantially lower call me and I'll refi again with. Thanks Deborah "

  Deborah P Yorba Linda CA

• "Steve Oka took great care of our financing needs. He provided us with understandable and very favorable terms, and he was always available to answer questions. We certainly recommend him very highly. "

  Robin and Richard Chetkowski Peidmont CA

• "We are very grateful for your amazing effort on our behalf in providing us with a loan type that we did not even know existed. We could not have done this without your help. We will refer to you anyone we know that is seeking financing. "

  Neal and Delcie Churchill Ontario CA