Marcy Cardenas a distinguished member of the National Association of Mortgage Bankers specializing as a Premier Home Loan Consultant for the Southern California area. Having expert knowledge in Reverse, VA, FHA, USDA and Conventional Loan programs, she is well equipped to service Homeowners of all types; from senior citizens, first-time home buyers and investors, to move-up home buyers and those looking to refinance... Read more
We specialize in refinancing and purchase loans A full service lender with access to a wide range of loan products - Able to fit any borrowers needs.
A conforming loan is government-sponsored enterprises Freddie Mac and Fannie Mae.
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A jumbo loan is a non-conforming loan that is too large to be purchased by Fannie Mae and Freddie Mac.Learn More
An FHA insured loan is a US Federal Housing Administration mortgage insurance backed loan, provided by an FHA approved lender.
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A Non-QM loan can help borrowers who have had credit issues in the past such as foreclosures, bankruptcy, late payments.
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The VA Loan became known in 1944 through the original Servicemen's Readjustment Act also known as the GI Bill of Rights. Learn More
Hard money loans Available made easy - All property types - SFR - commercial - condo - mixed use. Learn More
Steve J.
Palm SpringsRoazan N.
Palm Desert
" YES-Four years later, our reverse mortgage is working just as MARCY promised, giving us extra money each month to do the things we love. AND BEST OF ALL--SPENDING TIME WITH OUR CHILDREN AND GRANDCHILDREN AND HAVING PEACE OF MIND KNOWING WE CAN LIVE IN OUR HOME AS LONG AS WE DESIRE WITHOUT EVER HAVING TO MAKE ANOTHER MORTGAGE PAYMENT AGAIN!"
How are you going to pay for retirement? How is everyone else doing it? What is the average retirement income for 2022? Has it changed a lot from past years as we emerge from the pandemic? Are you anywhere close to average?
As you age, you might become more vulnerable to financial losses due to fraud, exploitation by unethical relatives or friends, or simply making mistakes.
