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   Honesty, Truth & Integrity about mortgage loans 

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Don't let lack of information keep you from understanding your options regarding loans, whether refinancing or purchasing a home.

Personalized service to meet your needs.

I will gladly explain how to get a NO COST loan and what you can qualify for.

 There is not one rate that applies to everyone!!

Rates are based on credit score, equity and other factors

I have a vision that can benefit you and will explain your options to you in language that you will understand.. 

 Deciding how long you would like to pay off your loan is an important projection. You may not need a 30yr fixed rate.


When refinancing, please realize that you do not need to start over with a 30yr term. YOU determine the term,, whether it's 5 years, or 8 or 13.5 or 19 or 22 years. The crucial key is the interest rate that you are paying on your balance.


Innovative and reliable information and advice

Experience without a cost

Short-term and long-term assistance

Ongoing advice and support

Local references available.

Sheldon Ruckenstein   760-419-5450

NMLS 1043715    CA BRE 01894173  Realtor

Call me today for a FREE consultation !!  

 7 days a week  760-419-5450