Loan Programs


Industry standard loan programs with purchase and refinance options for most borrowers. These programs follow lending rules set by Fannie Mae and Freddie Mac and have the reputation for being the most affordable and quickest to close in the mortgage industry.


Insured by the Federal Housing Administration, these loans are a great option for homebuyers looking to put the minimum amount down as possible, homeowners looking for simple refinance options, and for borrowers with less than perfect credit.


Just for veterans and surviving spouses! Finance up to 100% of your new home’s value with no money down, and no private mortgage insurance; or refinance your home quickly and easily with minimal paperwork.

Meet our Team

Our Mission is to be the best, most trusted and admired mortgage lenders with unique, affordable, and convenient products while maintaining a close, family-oriented culture.

Amy Valdivia
Branch Manager Certified Divorce Lending Professional Certified Mortgage Advisor
NMLS #250717

As a certified conventional and FHA Underwriter with over 30 years of experience, you can trust that I am well aware of updated guidelines and qualifying requirements. When I say that a borrower is qualified, I put my reputation and experience stamp of approval on it.

Joe Morgan
Branch Manager Certified Divorce Lending Professional Certified Mortgage Advisor
NMLS #263504

As a Certified Mortgage Advisor/ Senior Loan Officer/ Branch Manager for more than 21 years and certified in Divorce Lending, I have the knowledge and experience needed to help you through the entire REFINANCE or PURCHASE loan process and  providing the best terms and rates, plus, having a great team so that the closing goes smoothly. Conventional, FHA, VA, Jumbo we’ve got them all.

Our Clients Love Us

Ty S.

“Joe was awesome for us. He was there for our original purchase and made the experience great. When we discussed refi, we automatically went to Joe Morgan. We trust him. My husband can be anxious at times but Joe was always available and answered all of our questions. Until next time Joe. Thank you for all of your help.”

Jessica S.

“Amy was amazing. Amy went above and beyond to make the loan process go as smoothly as possible. She coordinated everything with wonderful communication and was a pleasure to work with.”

Noreen C.

“Working with Amy on a transaction was
WONDERFUL! She is very pro-active! She was ready for any situation that had the possibility of arising. Amy was even ready to close early, but the items that the HOA needed to send delayed us! Amy was great with communicating with me and with the buyer! I would definitely refer Amy to my clients. It was a pleasure working with Amy!”

Get in Touch

We are dedicated to serving our customers and making sure this process is efficient and stress-free.
Find us at the office
NMLS #353929
155 East C Street, Suite C, Upland, CA 91786
Give us a ring
Amy Valdivia | 626-485-4673
Joe Morgan | 909-660-8980
Mon - Fri, 8:00 AM - 10:00 PM

Contact Us