Navigating the Home Loan
Process is Challenging

We are here to Guide you… Every step of the way

You have a lot of options… and our job is to Find you the Best Price and give you the Service You Deserve.

We Do This By:

STRAIGHT TALK

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No sales gimmicks, just the facts to help you make an informed decision

5 STAR SERVICE

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We invite you to read our reviews from actual clients like you

STELLAR COMMUNICATION

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By phone, email or text, you get fast response times

NO JUNK FEES

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We simply charge less

DOING THE MATH

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We shop the overall market to find the best rates for your situation

NO BAIT & SWITCH

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If we quote a rate, we can actually lock it for you
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Primary Loan Types

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CONVENTIONAL LOANS

  • Purchase or Refinance
  • Affordable Housing Programs
  • Low downpayment options
  • Cash Out options
  • Primary, Vacation, Investment
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FHA LOANS

Purchase or Refinance

  • Low downpayment
  • Reduced PMI
  • Less than perfect credit
  • Underwrithing flexibility
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REFINANCING ALLOWS YOU TO:

  • Lower your interest rate + payments
  • Consolidate debts
  • Shorten the time to pay off the house
  • Cash out for any reason
  • Pay off higher rate debt

Actual Testimonials from our clients

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I would like to give a bid shout out and thank you to Paul Hepner for making my second refinance with him as easy as the first. Paul is one of those people you can count on to do exactly what he tells…

Joann Doty – RENTON, Washington
2021-04-01
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I would like to give a bid shout out and thank you to Paul Hepner for making my second refinance with him as easy as the first. Paul is one of those people you can count on to do exactly what he tells you he is going to do. It is so nice to work with a person who returns calls and keeps you informed every step of the way. If I have a need to refinance again Paul will be my first call. Thank you so much Paul for all of your help.

Joann Doty – RENTON, Washington
2021-04-01
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Bill and Ryan did a great job on the VA refinance

Arun Srinath – IRVINE, California
2021-03-24
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Bill and Ryan did a great job on the VA refinance

Arun Srinath – IRVINE, California
2021-03-24
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Paul is amazing!!! We have done multiple loans with him. He is extremely dedicated to his clients. We will be coming back!!!

Marci Arredondo – GALT, California
2021-03-23
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Paul is amazing!!! We have done multiple loans with him. He is extremely dedicated to his clients. We will be coming back!!!

Marci Arredondo – GALT, California
2021-03-23
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As a US government official living overseas I was able to refinance at a very favorable rate with Paul and Lynn Hepner. From the start, Paul was very clear, patient, anticipated my concerns, and maint…

Edward Reyes – LIVING OVERSEAS, District of Columbia
2021-03-23
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As a US government official living overseas I was able to refinance at a very favorable rate with Paul and Lynn Hepner. From the start, Paul was very clear, patient, anticipated my concerns, and maintained my confidence through constant follow-up throughout the process. Integrity, Efficiency, Service. I will more than likely work with Paul and Lynn again for future real estate needs upon completion of my time overseas.

Edward Reyes – LIVING OVERSEAS, District of Columbia
2021-03-23