Phone: 650-726-2179     
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We are   -    Your Hometown Broker

We are an independent Mortgage Brokerage firm licensed in the State of California, offering 30 year fixed rate loans, 3/1, 5/1, and 7/1 ARMs with "interest only" options for purchases, refinance, construction and remodel of residential & commercial real estate properties.  We also offer Seconds and Home Equity Lines of Credit.  We have offices conveniently located in the San Francisco bay area and in San Diego.










Why Consider Us ?
  • Interest rates are at record lows, and now is a great time to review your home loan circumstances.
  • Our Professional Loan Consultants are experts and  anxious to help find ways to improve your cash flow.
  • We may be able to save you money on your existing home financing and lowering your monthly payments.
  • We have funded over $1.6 Billion in home loans and can find YOU the perfect new financing package.
  • Our Loan Agents have over 95 years of combined mortgage loan experience.
  • Appointments and Consultations are always free of charge with no obligation.
  • We serve you with a truly Hometown Attitude!

Call now to speak with any of our highly experienced Loan Professionals at our
San Francisco office (650) 726-2179
 e-mail  rmc@refsi.com
                      
                                                   or  our

                               San Diego office (858) 812-6320     
                               e-mail  pcharnock@refsi.com

              Our Service

We  offer  record  low  rates, a variety of programs & fast personal  service...


We have a wide variety of loan programs from which to choose. You can select one tailored to your own specific needs and circumstances while allowing for competitive alternatives. Our rates and costs are often less than those advertised by institutional lenders and banks.

Our highly professional loan consultants are trained to find the best and the fastest way to get your loan approved.

Our assortment of Fixed Rates, ARM's, Jumbos and HELOCs gives every borrower a choice.

It costs no more to do business with us... In fact, we can usually save you money!

For 30 years our business has been built largely by referrals and repeat clients.  Our reputation for fast, professional and personal service, plus our emphasis on responsible lending is why a large percentage of our clients return for all their financing needs.

Location is never a problem. With our two conveniently located offices we can arrange financing anywhere in California.








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