We could sound fancy and overuse lingo or buzzwords. Instead we work hard to say the only word you want to hear . . .

Done.

Trust in wisdom.

There are seemingly endless options for who to work with when seeking a new mortgage or refinance. We bring nearly four decades of deep knowledge and experience to the table.

5

Entered the mortgage industry in the '80s

5

Multi-generational family owned operation

5

Prepared and knowledgeable for today

Low rates.

A fraction of a point adds up to a lot over 30 years. We work hard to get you the best rate available.

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Straight talk.

Transparency is the only way. Make every decision with confidence when you’re well-informed.

Less paper.

There’s a lot of paperwork involved but we can complete the vast majority of it for you.

Purchase Loans

When you’re ready to move in we’re ready to move you up.

Refinance Loans

It’s time to make that monthly payment go down for good.

Home Equity Loans

Unlock the equity you’ve built to use for what you want now.

What they said.

"You guys are so prompt and very responsive. The loan process was done flawless, and closed in such a short time. As always we are so glad to have our loans done through your office."

— Susie in O.C.

"Anthony has been excellent on two refis for me now. I highly recommend him."

— Erik in O.C.

"The loan offered was among the lowest I could find on the Internet. Compared to the "streamlined" refinance offered by the servicer of my old loan, mine has a 0.5% lower rate and $5,000 lower closing costs. The now arduous documentation process went smoothly, and the terms, rate, and conditions of the loan at signing were exactly as promised."

— Tom in L.A.

"Ray has also been helpful in areas beyond the financing deal - when I made my first solo home purchase that was structured in a rather complex way, Ray gave me suggestions on how I can protect myself and pointed out potential areas that would concern the lender."

J.D. in So Cal

Easy as 1-2-3.

Share your dreams and let us go to work. We consider every option and bring you the best solutions available today.

1.

Dream big.

Ask for what you desire to get you where you want to go. We’ll do everything in our power to make it happen for you.

2.

Leverage our wisdom.

The market changes while we’re asleep. You don’t have to know everything. We’ll confidently serve as your guide.

3.

Fund your future.

The funds secured for you today will be used to enjoy a better future. We take pride in being a part of that.

Questions answered.

Why do I need a guide?

Even if it wasn’t our fourth decade working in this business, the lending options available and the market are constantly changing. The money and hassle you save by leveraging those committed to staying ahead of it all is truly worth it.

Will I understand it all?

We like to say that we use ‘straight talk’. Although we’re aware of all the jargon used in the industry, we save it for the back room. You want to make financial decisions with confidence. Speaking the same language with your advisor helps.

How do I avoid the hassle?

Finding and comparing all the options available to you today when securing a new loan is a giant time commitment. We know. It’s what we do every day so we’re able to confidently advise our clients. We do all the tedious work for you.

How long does it take?

Every new loan, refinance or home equity loan can take some time to work through. However, over decades we streamlined the process to ensure we save our clients precious time every step of the way. We give you great info to make decisions easy. We make the paperwork simple and quick. Done and done.

Will I get a great rate?

We work dilligently to get our clients the best rates available today. By getting to know our clients and their unique situations, we’re able to offer competitive rates to every client we work with.

Reach Us

Ray Ruddy

Call or Text 949-246-6350

Anthony Ruddy

Call or Text 949-246-0192

THE LIGHTHOUSE

There’s a lot happening out there — rate swings, inflation updates, changing guidelines, and big decisions ahead for homeowners and buyers alike.

Whether you’re sorting through options or just trying to stay informed, we’ll give you straight answers to help you feel a little more confident in the chaos.