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Buying a home is one of the biggest purchases most of us make. House hunting can be exciting and disappointing at the same time. Some people find the perfect home in three days, for others, it can take months.

We've seen it all and we understand how you feel. It is very important in today’s mortgage market that you are pre-qualified before you start your search.  It’s not impossible to get a loan these days.  We need to work together to make sure all of the Lenders requirements are met upfront. Once you have a monthly payment that you are comfortable with, it’s time to shop for that perfect home.

If you are a first time home buyer, we recommend sitting down with us to plan your purchase.  We have helpful tools that will make buying your first home a very enjoyable experience.

Once you finally find the perfect home, let us help you quickly find the perfect mortgage.

A review of our Loan Programs appears on this website. Call or e-mail us and we'll develop a personalized quote.

Are you already living in your dream home? Maybe it can be even dreamier with a lower monthly mortgage payment! Refinancing could be the way to go. Check it out with our Refinance Mortgage Calculator.

Latest News!

New Details of the 125% program 

Find Out Now If Your Home Qualifies

Loan to Values on First Mortgages up to 125% on primary residences.

If you have a Second Mortgage, there are No restrictions for existing subordinate financing Combined Loan to Value.

Reduced pricing adjustments for primary residences.

An Appraisal may not be required

Condos currently secured by Fannie Mae may be financed up to 125% without full condo review.

LTVs and CLTVs up to 125% on Secondary Residences.

LTVs and CLTVs up 105% on Investment Properties.

Randy Senzig Broker/Owner

Office: 805-480-9222

Cell: 805-490-4024

Email: randysenzig@tomortgage.net

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