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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 "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 "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 "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 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 |
California RatesCheck out what some of my most recent clients have said about working with me and my team... "Brian made our
transaction fun AND educational. Right from the start I knew we could trust him and he delivered a better purchase mortgage program than he initially told us. You can know that what Brian and his team says is the truth. I have had a lot of people before give me a bunch of smoke and mirrors. Thankfully, Brian provided a breath of fresh air. I really appreciate his up front methods. Brian doesn't pull any punches...but it's better to know where you stand. I always recommend Brian and his team...they have always done a fantastic job!" Charlotte G. - La Mesa, 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“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 |
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