Serving your real estate financing needs
CA BRE Corp#01912793 NMLS corp#907326
Commercial and Residential Real Estate Finance


Apartment loan rate 3.70% 5 year fixed (5 units and larger multifamily)


5 year fixed-adjustable thereafter. 60% max LTV. Based on best case scenario. Rates and programs subject to change without notice and qualification. 5 units and larger. $1 Mil- $7.5 Mil loan amt. 1.5 points, 30 year amortization and term. Prepay penalty 5-4-3-2-1. 6 Mo. Libor. 1% periodic rate cap (adjusts every 6 mo.) 3.25 margin. 10% life cap. Floor rate equal to start rate. 650 Min Fico. Full recourse. 1.20 min DSCR. Assumable. CA property. Funds for commercial or business use only. Rate as of 11/08/2017. For informational purposes only, call for your scenario.
Let us review your NOI, DSCR, and help determine if your deal will cash flow properly, cover debt service and qualify. Save time and money. A poorly structured loan is a waste of money and time if it doesn’t close.




Commercial . Residential . Bridge
Reverse (HECM) . SBA 7(a), 504
Higher Leverage Equity . Mezzanine Debt




There is no App for experience

These days if your loan officer doesn't know the difference between 1065 and 1120 entity returns, he or she may be simply taking your application "hoping" you will get approved. By thoroughly understanding our products, and with 25 years of mortgage experience, we aim to provide an entirely different level of customer experience. 

Testimonials and Awards


This market demands experience and resources.

Approving a loan should not be like pulling teeth. It should be a matter of introducing a qualified borrower to a product that fits their needs and one which they qualify for. No guess work, no experimentation at the borrower's expense. It should begin with an interview and a streamlined process. One that produces results-not ulcers. 

A bank or lender may have a handful of programs. We work with top wholesale lenders, each with their own product groups and underwriting guidelines and we shop them for you. Our highly experienced loan processors have worked with our lenders for years and know them well. Much of our business is referral and repeat business. After 25 years in the mortgage industry, we are now serving a second generation of clients. Let us serve your mortgage needs.



HUD's new settlement cost booklet

Consumer Handbook on Adjustable-Rate Mortgages

What you should know about Home Equity Lines of Credit

Find an approved housing counseling agency at the Consumer Financial Protection Bureau

List of nationwide HUD approved housing intermediaries 




A great number of loans originated by lenders for one-to-four unit residential properties are conventional conforming loans. Conforming loans have terms and conditions that follow the guidelines set forth by Fannie Mae and Freddie Mac (FNMA-FHLMC). These loans are also know as "A" paper, prime, or full documention loans with lenders often requiring 2 years of tax returns, verification of income, deposits, employment, a high credit score, and a clean credit history. These loans can be made for purchasing or refiancing homes


A non-conforming loans is loan that does not meet Fannie Mae or Freddie Mac lending guidelines. This may be due to the property type being financed, loans that exceed conforming limits such as Jumbo loans, or other reasons.


The Federal Housing Administration (FHA) is a federal government agency that insures private home loans for financing and/or home repairs. FHA-insured loans allow low to moderate income people to buy a home with lower down-payment, lower initial costs, competitive interest rates, and easier qualifying requirements. FHA Loans are assumable and have no prepayment penalties.

VA-Guaranteed home loans offer many benefits to the eligible veteran. The main benefit is that the veteran may not need to make a down payment. Instead the lender may receive a Certificate of Guaranty from the Department of Veterans Affairs (DVA). In appreciation for honorable military service, the DVA vouches for the veteran's trustworthiness to repay hte loan. Lenient qualifications, reasonable loan charges, no PMI or MMI, a variety of loan types, and no prepayment penalty, are some of the features of VA-guaranteed loans.

Fair Lending Policy Statement
It is our policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act. In addition, it is our policy to comply with state laws that provide greater protection. Fortis Financial and Real Estate does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Servicemembers Civil Relief Act (SCRA); that all or part of a consumer's income derives from a public assistance program; or any other basis prohibited by law. 

Equal Housing Lender
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:
In the sale or rental of housing
In advertising the sale or rental of housing
In the financing of housing
In the provision of real estate brokerage service
In the appraisal of housing
Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), or send to:

Office of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Room 5204
451 Seventh St. SW
Washington, DC 20410-2000 

The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:


  • Trends, characteristics, or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice.
  • Race, color, religion, sex, marital status, national origin, or ancestry.

It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one to four-unit family residence.

If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or the Department of Real Estate at one of the following locations:
2201 Broadway
P.O. Box 187000 (mailing address)
Sacramento, CA 95818-7000
1350 Front Street, Suite 3064
San Diego, CA 92101-3687
2550 Mariposa Mall, Suite 3070
Fresno, CA 93721-2273
320 W. 4th Street, Suite 350
Los Angeles, CA 90013-1105
1515 Clay Street, Suite 702
Oakland, CA 94612-1462 


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