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.

Upland Branch Manager

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.

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.”

William H.

Joe and his entire team are responsive, professional, and efficient in organizing everything that is needed to secure a loan for a home purchase. They kept our family well informed of all of the steps and progress for our new home loan and addressed all issues that arose during review. They did this all the while maintaining flawless communication about details, dates and decisions that need to be made to secure proper funding. I would highly recommend them and will use them in the future.

Gloria A.

Joe Morgan is great to work with. He’s very responsive, upfront, knowledgeable and thorough. Joe is honest and dependable-and on top of everything. This is my third loan process with him, and each has gone very smoothly.

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
Joe Morgan | 909-660-8980
Mon - Fri, 8:00 AM - 10:00 PM

Contact Us