Our passion is helping borrowers and real estate agents who want their lender to have the knowledge and experience to close on time and without last minute surprises. Clients receive weekly loan status updates; and on the rare occasion you don't reach us immediately, messages are always returned timely. Unlike most lenders, we don't hand off your application to an assistant or back office support person, you will work directly with us. Taking advantage of expanding technology allows our borrowers the flexibility and convenience of electronically signing documents and conducting business by phone, fax, email and mail.
Borrowers regularly come to us for a 2nd opinion after being denied at one of the big banks or credit unions. With a firm understanding of loan guidelines and taking the time to work through any issues, a previously denied loan can become an approved loan.
We are a unique husband and wife team originating home loans throughout the states of Washington, Oregon and California. We offer FHA, 203(k), VA, USDA, and Conventional loans. Our dedication to 1) Educating our clients so they can make informed financial decisions, 2) Delivery of superior customer service and 3) A high degree of honesty and integrity is what sets us apart from other lenders.
I have been originating loans since 1991, helping families purchase and refinance Residential and Investment properties. Rebecca was previously a CPA with an auditing background, which is exactly the kind of attention to detail needed in a real estate transaction. We have been married since 1990, after meeting at CSU, Sacramento in 1985 where we both majored in Finance. We enjoy hiking, snow shoeing, biking, fishing, backpacking and any other excuse to enjoy the outdoors with our family.
Michael Mullin, NMLS #11911
Equal Housing Lender
Licensed in the states of Washington, Oregon and California
* Experience and Knowledge - With 31 years experience, you can expect accurate information the first time.
* Communication - Loan Status Updates are sent out weekly and at every milestone during the loan process. We also monitor our calls and emails 7 days a week, and pride ourselves on prompt and thorough responses.
* Honesty and Integrity - We will always put our clients needs first in addition to educating our borrowers so that they can make informed financing decisions.
* Closing on Time - A typical closing is less than 30 days. We ensure that there are no last minute surprises by submitting full loan packages to Underwriting early in the process so that there is sufficient time to follow up on additional loan conditions. We also make sure we coordinate and communicate with all parties involved to prevent any delays.
* Perseverance - We don't give up on our clients! We are regularly approached by borrowers turned down by other lending institutions and with a firm understanding of guidelines and taking the time to work through a problem, we are often able to get them approved.
|Martin P. (El Dorado Hills, CA)|
|Working with Mike and Rebecca was a terrific experience and followed up another great experience with a loan we completed with them a few years earlier. Highly recommend them. They are very knowledgeable, prompt, courteous, professional and definitely over-delivered.|
|Lawrence H. (Orange, CA)|
|I can't say enough about Mike and Rebecca. I had gone through a divorce which subsequently caused some credit related problems. I was trying to buy a house using a VA Loan for about a year and a half. I went through 4 different lenders and none of them were able to get me approved. Most of the lenders weren't comfortable working with VA Loans and it was obvious to me these lenders knew little about them. From the moment Mike and Rebecca contacted me I knew I was going to be taken care of. They took the time to understand my current situation and were clear on my terms. They are very thorough and ethical. Everything is explained and they do their best to make sure there are no surprises in the process. They got me approved and I purchased a home and couldn't be happier.|
|Jennifer R (Spokane, WA)|
|Michael and Rebecca took our very unique, complicated situation and worked through it to provide us with the opportunity to own our own home in a timely fashion.|
|Fred R. (Spokane, WA)|
|We are very happy with the extra service and care Michael and Rebecca provided through this process. It is this attention to detail and going the extra mile that made the transaction smooth and we felt that our best interests were kept at the forefront.|
|Timothy G (Vancouver, WA)|
|Rebecca and Michael provided "legendary" customer service. Both answered our calls live almost every time, answered our questions in real-time. By time we closed on our home, we felt that Rebecca and Michael were a part of our family. Top-notch people that care! They really do!!!!|
|Ryan R. (Tacoma, WA)|
|I wanted to thank you for sticking with me through the rejections and the roadblocks. You will be the first people I recommend to anyone for refinancing. Michael went above and beyond what the normal mortgage broker would of done. He worked hard to find me the proper HARP loan that worked for me. I recommend him to anyone looking for a dedicated mortgage broker who won't stop until he has exhausted every possible avenue for refinance.|
|Melissa B (Seattle, WA)|
|Rebecca is amazing and made refinancing EASY and smooth. I appreciated her working directly with 3rd parties that were involved with my refinance.|
31 years of experience in real estate investment and finance - I have solutions for any real estate needs you might have.