Direct Lender and Mortgage Broker. Purchase and Refinance Loans.

Specialty Loans

Dow, S&P end at two-year highs…

Dow, S&P end at two-year highs after Fed snoozer http://t.co/kix4OyJ via @CNNMoney How will this affect the health of your own finances?

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Asset Based Loans

For borrowers with liquid assets, but without steady income to qualify for a loan, asset based loans can be the solution. Rather than paying cash for a home, a borrower read more...

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If your tax refund comes on a …

If your tax refund comes on a debit card, are you more likely to spend it?

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Cal HFA foreclosure prevention…

Cal HFA foreclosure prevention program provides temporary mtg pmts for those on unemployment. http://keepyourhome.calhfa.ca.gov/faqs.htm#Q7

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Home Ownership Accelerator Program: HELOC as a first loan

FICO 720, LTV 75%. This loan is a first-position line of credit that is an interest-only loan based on the 1-month LIBOR. Best for experienced borrowers with frequent inflows and read more...

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3% Down Home Loans with reduced-fee MI, loan amounts to $417,000

Borrow up to 97% of your home’s value when purchasing, without having to get an FHA loan. Maximum loan amount $417k. Reduced-rate MI is far less expensive than FHA mortgage read more...

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Should I refinance? Rates are lower but I might move soon.

Let’s take a look at what your loan is now, how long you plan to stay, and how many months it would take you to recoup costs associated with a read more...

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How do I handle a large sum of money I just inherited? I don’t want to blow it.

This is a great question. To make the most of a windfall, professional guidance can be a big help. Let’s set up a time for a no-cost review of your read more...

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Does it cost me more to work with Opes than my bank?

Not at all! In fact, Opes Advisors is both a mortgage bank (direct lender), and a broker, allowing us to be extremely competitive with our mortgage rates. As with all read more...

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How do I get preapproved?

In short, we need proof of your assets and income, so we can determine how much home you can afford. Go the the “preapproval” page, and you’ll find a list read more...

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Get preapproved, or start your refinance.

We’re seeing some of the lowest interest rates in decades. Whether you’re ready to purchase and need to be preapproved, or are curious to know if you can lower your read more...

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Today’s National Average Rates

Rates shown are national averages, your rate may be different based on your downpayment, credit score, property type, and other factors.
Mortgage Rates
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Simple Payment Calculator

Don't forget to add in your Property Taxes (1.25% per year of your purchase price), Insurance ($50-150/mo), and HOA dues, if any.

Mortgage Calculator
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