Over 6 pages Of AMAZING info that will change the way you look at Home Buying! Based on real world examples from our mortgage experts.

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"Tips To Refinance Your Home"

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HOW TO TRIPLE YOUR SALES BY GETTING YOUR INTERNET MARKETING RIGHT
Over 153 pages Of AMAZING info that will change the way you look at Internet Marketing! Based on real world examples & case studies of other plumbing & HVAC contractors.
Get the most comprehensive Tips for Home Buyers FREE!  Limited Time Offer!
Over 7 pages Of AMAZING info that will change the way you look at Home Buying! Based on real world examples from our mortgage experts.
Whats Inside The Book?
  • Tip #1: Too Many Credit Inquiries could lower your credit score
  • Tip #2: Great Time to Refinance
  • Tip #3: Can You Afford to Refinance?
  • Tip #4: Refinancing to Save Money
  • Tip #5: Fire Safety and Refinancing
  • ​Tip #6: Looking In Your Refinance Rate
  • Tip #7: Refinancing and Your Appraisal
  • Tip #8: Does Your Refinance Math Add Up?



We work hard to qualify you for competitive mortgage rates in a competitive market. Even if you do not have an ideal credit score, we can connect you with an affordable loan.


Our extensive experience with mortgages in California allows us to offer an expedient home loan process so that you can close fast on the property of your dreams.


Along with conventional loans, jumbo loans, and popular government-insured programs like FHA and VA, we also offer a variety of creative solutions for those in nontraditional situations. For example, with our Non QM loans, you can apply without needing the normal documentation required by most lenders.


Through the entire lending process, we prioritize transparency and clear, open communication. We take as much pride in providing a smooth and enjoyable loan process as we do in connecting homebuyers with affordable financing. By doing so, we hope to not only serve your needs now, but become your lifetime mortgage company.




Meet The Author

ANDREW PENCE

I am a self-motivated, entrepreneur, home loan officer dedicated to my vision of success through impeccable customer service, relentless perseverance and commitment to honesty. I pride myself in creating an atmosphere of exceptional employee moral through leadership, teamwork and the capability, as well as the aspiration, to never stop learning.



This Is Who I Help:

As a National and State licensed, top producing home loan officer I help anyone and everyone looking for any type of residential home loan. I specialize in First Time Home Buyers and all other Purchase Money transactions. If you are looking to buy or refinance a new primary residence, 2nd home, vacation home, or investment property I can show you the best home loan to fit your needs and budget.

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877 Ygnacio Valley Rd #210

Walnut Creek, CA 94596

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Phone: (925) 478-8630

Fax: (925) 262-2141

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