California Mortgage Loan Application, California Mortgage Broker Specializing in Low Rate Refinance and Home Equity Mortgage Transactions
100% Safe And Secure Online Mortgage Application

Apply Now To Lock In Your Historically Low Interest Rate Before It Is Too Late!

 Lock in a historically LOW Mortgage Rate...As Low As 4.875%
30 Year Fixed Mortgage Rates As Low As 5.375%!
(Rate watchers, scroll to the bottom of the page)

, August 29, 2008 -

UPDATE: Stock market loses 370 points on Tuesday...mortgage rates drop, but pressure from below is inching rates back up...apply today to lock in these great rates before they disappear!

February Special

 Appraise Your Home For Free!
Mention this box when you speak to one our team members, and receive a FREE appraisal rebate check at the close of your loan. But you have to hurry, we are only offering this special discount to the first 7 (Only 4 Spots Left!) qualified homeowners to apply!

Check out what one of our most recent clients had to say about working with the Heroic Financial Team...

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

What our process IS!

  • You will ALWAYS be treated like an individual and a friend.
  • Full disclosure of all fees associated with your file. All the major Lenders and Banks HIDE their fees. Ask us about the scams they use to trick you, and how you are protected from these scams when you work with us.
  • We will define a program that suites your current and future goals and financial needs.
  • We look at the entire picture to design a plan for you.
  • We continuously update you on the process of your loan...you are NEVER in the dark.
  • We are the source so we keep your informaton private and NEVER, EVER, disclose ANY part of it to ANYONE EVER!
  • Easy and smooth. We usually close your file within 14 days of your appraisal.
  • NO B.S., NO Weasel Closing Cost Guarantee or we pay you or a charity of your choice $500 (Five, Crisp One Hundred Dollar Bills)!!!
  • $250 Client Satisfaction Guarantee!
  • Our goal with everyone we speak to is to create a comfortable and honest relationship that will last for years to come. We want to earn your trust and your business now and in the future.

What our process is NOT!

  • We are NOT annoying telemarketers
  • We do NOT resell your information
  • We do NOT promote Prepayment Penalties
  • We are NOT a large and impersonal lender
  • You will NOT just be a file number to us
  • We do NOT hide information from you
  • We do NOT pressure you into a decision
  • We do NOT keep you in the dark
Rate Watchers...
 Market and Rate Movement Updates!

Want to stay informed of what the interest rate market is doing?

I will deliver all the action in the market and how it affects the pricing for rates and give predictions so you can make the best decision possible on your new loan.

I dig deep and have the best resources so I can give you the most informative FACTS in a clear, concise format with no Bull and no Fluff.

Sign up and give it a try.




Remember, your information is ALWAYS 100% safe and secure with us. We will NEVER share or sell your information with anyone.


Still need proof? Here are some more past client reviews and testimonials...

We were paying 8.5% on our mortgage; we had a bunch of high-interest credit cards (Brian's note - $43,785), and even though we both work and make good money, there never seemed to be anything left at the end of the month. Following Brian's plan, the interest rate on our home mortgage and other debts was cut in half. All of our other debts were paid off during the refinancing -- even the car loan-- and our total monthly payments to bills were reduced by $1,218. This gives us more than $14,000 a year in cash we didn't have to invest. We even got $13,621 in cash when we refinanced. Were even going to pay off our mortgage in 13.2 years! Thanks to Brian, we're in a much better financial position. Why wouldn't other people do this?

James B. - San Francisco, California


“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

It was obvious Brian deeply cared about getting us the right loan for our first purchase.

His process was smooth and hassle free and he had more information about the home buying process than we knew what to do with!...he taught us so much more than any real estate person we spoke to before him.

Brian is an exceptional mortgage advisor and an honest person. We will definitely be using Brian for all our future mortgage needs."

Andrew and Kathy D. - San Diego, CA



Heroic Financial Services
8679 La Mesa Blvd.
La Mesa, CA 91941
Phone: 619.888.4376
Email: brian@heroicfinancial.com
www.CaliforniaLoanTips.com


“A hero has faced it all: he need not be undefeated, but he must be undaunted.”









All information and content copyrighted by Above the Clouds Inc. d.b.a. Heroic Financial Services, 2007-2008. 5.375% 30 year fixed interest rate based on approved credit, a loan amount of $250,000, and a LTV under 75%. APR for the same loan is 5.804%. 4.875% interest rate based on a 3 year fixed adjustable rate mortgage at the same scenario above - APR is 5.35%. California DRE License # 01750964.
 
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or contact Heroic Financial at:

619.888.4376

or fill out the form below and we will contact you at a time you specify is convenient:
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Your information is 100% safe and secure with us...it will never be shared with or sold to anyone.


Current National Rates

Rates By MortgageLoan.com




Check out what our most recent clients have said about working with the Heroic Financial Team...

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

"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 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

“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