Richie Herrera

Mortgage Information

If you're like most buyers, a home is the most expensive purchase you'll ever make, and you'll probably need some form of financing. There are many lending institutions that offer a variety of mortgage products. Financing options and rates can vary widely, so it is important to do your research and ensure you get the mortgage that best meets your needs at the best price. 

Did you know that every month about 30% of all transactions that go into escrow fall and about 80% of those are due to financing? If I we're fortunate enough to represent you in the purchase of your new home that will NOT happen. Why?Because we humbly say that we have aligned ourselves with the best lender, not only in California but in the entire United States. And we're are not just saying that, Brian Minkow and The Minkow Team have been recognized by Mortgage Executive Maga​zine as the most succesfull loan officer in the United States.  Brian & Steve have been our preferred lender for years so believe us when we tell you they're your go-to-lender if you need to  REFINANCE or BUY A HOUSE.

Use the links below to assist you in making some decisions around financing your new home.​​ 

Mortgage Learning Center


Before securing financing for a property, it is important to be familiar with the loan process, types of loan programs available, common mortgage terms, and factors affecting your loan, such as credit. 

This section contains information that will help you understand how mortgages work and to make informed decisions. However, you should still consult an experienced Loan Officer when you have questions or need advice.

Mortgage Payment Calculator


This calculator will help you determine what your mortgage payments will be based on purchase price, interest rate and mortgage term, as well as other factors. 

The amortization table shows what the interest and principal payments will be over the term of the mortgage.