Specializing in California Mortgages, California Home Loans, Bad Credit Refinances, FHA Mortgages, Refinance Loans, Debt Consolidation Mortgages, Cash Out Refinances and Home Equity Loans.

You Are About To Discover All The Information You Need To Make An Informed Decision About Obtaining A Mortgage


, May 16, 2008 -

Dear Neighbor,

My name is Brian Daly. I want to thank you for taking the time to visit my website, where I guarantee you'll find plenty of helpful information to assist you in purchasing your new home, refinancing your current mortgage, or obtaining a new home equity loan.

I specialize in obtaining the lowest interest rate on the best mortgage program for your situation...even if you have had a bankruptcy, foreclosure or other credit issues. Creative Lending Solutions serves San Diego County, Los Angeles County, Santa Barbara County, the Bay Area, and all the surrounding areas. Here is a quick example of the level of service and commitment I will show if you decide to work with me...

Ana and her family had lived in the same beautiful Santa Barbara coastal home for over 25 years...but her parent's ran into some financial problems that threatened to take this away from them. Ana, who was helping her parents in the effort to save their long-time family residence, got my information from the internet. We worked together for a while, and became good friends over the process. In the end, we were able to save their home from foreclosure, and got an additional $35,000 cash out to take care of other debts and increase their cash reserves as a safety measure. Click the audio below to hear what Ana had to say about the transaction...




     Ana on the left, with her three daughters

Ana Cubilla Khamo - Santa Barbara, California

 Why should you use my team and me when you are purchasing a new home or refinancing your current mortgage?
  • $0 Application - You shouldn't have to pay just to apply for a mortgage. With us, application is FREE.
  • $250 On-Time Closing Guarantee - Waiting to close on your mortgage transaction can be stressful. When you work with me and my team, we guarantee your loan to close within 25 calendar days from the day we receive the appraisal, or the documents we request from you (whichever comes last). If we don't meet this date, we will throw in an additional $250 towards your closing costs, or send you a check for that amount after the close, whichever you prefer!
  • $250 Client Satisfaction Guarantee - As I mentioned above, I highly value your opinion. If at the close of your loan you are not completely satisfied with the service you received from my team and me, I will personally cover an additional $250 towards your closing costs as long as you help us improve by submitting a quick statement about what you think we could have done better for you.
  • $500 No B.S., No Weasel Clause, Closing Cost Guarantee - You will receive this guarantee in writing with your initial loan approval and good faith estimate of closing costs. If for any reason your closing costs are more than $300 above the original estimate we provide you, I will send you 5 crisp, one hundred dollar bills, or donate it to the charity of your choice, at the close of your loan.
  • Access To Over 50 Wholesale Mortgage Lenders - Because we are a mortgage broker, we have the ability to place you in over 200 different mortgage programs, at the lowest available rates on the market. And because we don't have any pressure, or receive any extra benefits to sell any particular program, you can sleep easy knowing that you are getting the best possible mortgage rate and program for your particular financial situation.
  • FREE Strategic Mortgage Planning Consultation - We ask the questions that matter, and using our tested and proven mortgage positioning process, we use that information to provide you with a list of financing options that are best suited for your current and future financial situation and goals.
  • FREE Credit Profile Review and Counseling (A $99 Value)
  • Discounted Credit Repair Services - If necessary, we have set up a HUGE discount for you to work with Credit Improvement Specialists - a team of credit repair experts who know all of the ins and out of the 3 major credit bureaus (A Saving Of Hundreds of Dollars).
  • FREE Cash Flow Review And Analysis (A $99 Value)
  • FREE Tax Review And Analysis (A $99 Value)
  • Annual Mortgage and Financial Reviews - To ensure you are always happy with the financing you receive, and that your mortgage still best fits your current financial plan, we will follow up with you every 12 months (with check-ups every 6 months).
  • Access To Myself and My Team of Financial Advisors For Life! (priceless)

What makes me any different from these other mortgage brokers and online mortgage companies?
  • Endless Phone Calls From Telemarketers - 98% of all online mortgage applications are a money making scheme. These companies take your information and sell it off to MULTIPLE mortgage and telemarketing companies...most times you end up dealing with an endless stream of phone calls from schmucks with no real knowledge of the mortgage market or the strategies needed to put you into the best loan possible at the best possible rate. They make a killing...and you pay the price. NOT US! When you apply with us, you information is 100% safe and secure. We NEVER sell or share it with anyone, and I personally handle every application that comes through our door. If for any reason you do not need our assistance any longer, simply tell us and you will no longer need to worry about unsolicited phone calls. We appreciate our free time and privacy too, and understand how it feels to have that interrupted...so we make it a priority to work on your schedule.
  • Shady Lending Tactics and Lack of Experience or Knowledge - The average run of the mill mortgage company and/or loan officer is just there to close the deal and make a quick dollar. 95% of the mortgage brokers and bank representatives don't know squat about the finer details of mortgage financing - their sole purpose is to get you into the door and close your loan...and they use many unscrupulous tactics to get this done, often times at your expense. Don't fall for these shady bait and switch promises.
  • Pushy Sales Tactics -  Often times when you deal with a hired representative of a direct lender, they will not give you all of the mortgage options available to you. They will have a select few mortgage programs that they are told to sell by their management, and therefore, those are the only products you will hear about. Lucky for you, my company is not hired by anyone! We remain independent for a reason...to serve you and your needs better!
  • Lack Of Communication - You can rest easy knowing that you always know what is happening with your loan. It is your finances, you should never be in the dark about what is going on and why...and you won't be when you work with me and my team. We ask you when, how often, and in what method you would like use to contact you, and we follow through on our promise.

If, like millions of other Americans, your bills are piling up and you want to learn how to slash your overall payments by hundreds, maybe even thousands of dollars, you should check out our Free Reports...Escape the Debt Rat Race or 9 Dirty Little Secrets the Credit Card Companies Hope You Never Find Out.

If you want the inside scoop on how to buy a home with no money down...even if you've had a bankruptcy, foreclosure or other credit challenge, you owe it to yourself to read Stop Renting and Own a Home of Your Own, and How to Own a Home With Low Interest Payments and No Money Down Regardless of Credit Issues. All these reports, and a bunch more, are available for your benefit on the left side of this screen.

See, I'm proud of this site. The info here could save you tens of thousands of dollars...literally!! There isn't anything else like it around. We've got plenty of helpful, valuable, free information unavailable anywhere else...and it's constantly being updated.

FREE Home Buying Guide Reveals Insider Tips Other Mortgage Brokers Don't Want You To Know...

Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan.

Although sharing these secrets may not make me popular with the other California mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a mortgage. So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the mortgage loan process.

To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.
There is no obligation and your e-mail privacy is safe with us.

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking to refinance in California or the surrounding areas, you will find that this site is a complete resource full of insider secrets that will allow you to choose the loan program best suited to your financial needs.

I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the home loan you need for the home you want.

Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me at my La Mesa, California office at 619.888.4376. I am here to help you with all your purchase, mortgage, and home equity needs.

Got a Quick Question You Want Answered Today?

Click the "Ask A Question" button below to send us a message by email or feel free to call my La Mesa, California office at:

619.888.4376

or

Before you leave, make sure you review the California Home Buying Resources, Insider Reports and  Mortgage Calculators. All are designed to help guide you through the home buying process so you avoid making costly mistakes.

P.S. I have been doing this for years. I have helped over a hundred families make the most informed financing decisions. I have seen it all, so I know how to handle every situation...you will only get the most straight-forward and honest facts when you work with me and my team.

P.P.S. Check out my past client testimonials on the right hand side, or in the "What Others Say" section. You will see that they were all excited about the results I provided them during their home loan financing, and loved the experience...This is what I want to do for YOU. Please call me at 619.888.4376 to schedule a consultation to discuss your mortgage options.

P.P.P.S. Click here to find out why you need to work with a Mortgage Planner Certified by the CMPS Institute...You will see that I have been educated, trained, and tested in advanced financial and tax planning strategies and practical applications of those strategies in conjunction with your mortgage...in addition to being held to a STRICT code of ethics and responsible lending practices. This ensures that I am always working for YOUR best interest.

P.P.P.P.S. Call me, Brian Daly, directly at 619.888.4376, or fill out my Secure Online Application to get started today on new mortgage or equity loan financing. I am looking forward to speaking with you!

California Mortgage & Real Estate News

 
Brian Daly
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California Rates

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"Brian helped me out of a very rough time in my life, and put together a plan which saved my home of 30 years from foreclosure. I had injured myself and therefore I couldn't work...on top of that a family member had stolen the money I had saved which I needed to make my payments on time. I fell behind on my mortgage and the lender started the foreclosure process. Needless to say this started a BARRAGE of calls from lenders, loan officers and investors...all of whom just seemed to want to make a quick dollar at my expense. Brian was the exception. I had called him on my friend's advice and he did not let me down. I already had a loan in place with another company, but Brian was still there every time I needed him to give advice and answer questions, even though I wasn't doing the loan through him! The loan with the other company fell out, so of course, I immediately ran to Brian's aid. He structured a plan which no one else thought of, and 18 days later we had the money to bring my loan current, and he got me $28,454 cash in my hand to help weather any more rough times. Brian is still helping me get my finances back on track, even after my loan closed! He truly cares about people! I recommend Brian to ANYONE seeking an honest and knowledgeable professional. He was my knight in shining armor. Thank you Brian!!!"

Connie M. - Fresno, California
J.D. Power and Associates 2005 Home Mortgage Survey: Those who said they used a broker tended to be substantially more satisfied with the broker personnel they spoke with than those customers who interfaced directly with the lender's personnel. "Brokers appear to perform significantly better in meeting customer expectations. Brokers are perhaps more dependent on customer referrals than the direct lenders. As a result, brokers may be more in tune with the cause and effect of customer satisfaction and advocacy," said Jeremy Bowler, director of the finance and insurance practice at J.D. Power and Associates."

J.D. Power and Associates

“Brian was helpful and prompt in answering all of our  questions. We feel he found us the best loan  possible, and wouldn’t hesitate to use his services again. We highly recommend Brian to anyone seeking an honest and dependable loan officer.”

Nik H. And Lee S. - San Diego, California
I realized that I was not going to be able to keep up with my house payments and Chapter 13 payments for much longer. When I spoke to Brian he explained everything to me and showed me that he really cared. He did what  he said he'd do and got us $43,635 cash out while lowering our overall payments! Brian is a true expert in bankruptcy mortgages. I carry his cards around with me to recommend him to everyone I know in a similar situation.

 Paul F. - El Cajon, California

Having a Bankruptcy is a stressful thing. Brian was able to get us out of it quick, lower our payments and get us $68,835 cash. He's very professional and sharp and he delivered what he promised!

Cheryl and Robert S. - San Diego, California
"I had to write to you to let you know how impressed I was with the manner in which you handled the Moreno transaction.  I work with a variety of lenders in my position and my experience working with you and your office was definitely an efficient and friendly one.  In my experience, when lenders and escrow from different parts of the state work together to close a transaction there tends to be some problems due to the differences in local procedures.  It was wonderful to find that while the differences did exist, they did not lead to any delays or issues.  This is surely due to the professional manner in which you conduct your business. It would be my honor to work with you and your team in the future.

Tiffany Schouten - Escrow Officer for Chicago Title - Dixon, CA

“Brian and his team were GREAT! They made the process easy, and closed our loan fast! We couldn't believe how smooth the transaction went. He helped us get out of our adjustable rate loan before our first payment increase, and at the same time, he lowered our monthly payment and per his advice, we consolidated our credit card and car debt into our new loan. Not only is our mortgage payment lower, our entire household debt load dropped dramatically AND our tax obligations is going to drop. Our only regret is that we didn't find Brian and Heroic Financial sooner! Thank you Brian. ”

Scott and Christina D. - Benicia, California
"Thank you Brian and team! You got me the information I was looking for, faster than I ever expected it...and the information was always 100% honest and correct.

There was never any fluff or B.S. behind it...just hard facts. That quality of service is hard to find real estate...especially the mortgage business.

You are the most honest mortgage broker I have ever spoken with. I can tell you are dedicated to what you do, and always doing it better, and that is to be admired. I am very happy with our new home and mortgage.

Brian, you will be my mortgage broker for a very long time to come, and I will recommend you every time the topic comes up. Thank you again."

James Avery - Dixon, California
"I want to thank you for all your effort. To be frank with you I have been shopping around for a loan for my first home purchase for a long time and your service and knowledge is by far the best I have come across.

I will definitely recommend you to my friends who are looking into buying or refinancing. Thank you so much"

Neelopher Michael - Santa Clarita, CA
"Talk about knowing how to do tough loans. Brian and his team have the knowledge down. Best in their business to say the least.

I had a real tough loan and not much time to get it done...the seller was really pushing to move quickly.

The pressure was mounting on me and just as I was about to give up, Brian was like a ray a sunshine in a 6 month storm with no sun. He quickly took control of the situation and in no time I was in my new home and living the dream! Go with Brian and his team. They are the BEST!

Keith - San Diego, California