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Name: Carey Pott
Company: January Financial
E-mail: Contact January Financial
Website: http://www.januaryfinancial.com
Office Phone: (949) 305-6355
Cell Phone: (714) 306-4969
Alt. Phone: (949) 292-5429
Fax: (949) 215-6509
Address: 28 Rue Fontaine, Foothill Ranch, CA, 92610
Description: Our mission and passion is to help our clients achieve financial well-being. Keep reading to see how we accomplish this!

About Us:

Our mission and passion is to help people like you improve your financial well-being, and we accomplish that goal through a three-step process. The first step is through equity management and using the mortgage as a tool to build wealth. The second step is by partnering with financial planners and real estate investment groups to provide opportunities and investments that increase your net worth. Finally, we provide high-quality investments so our clients can start investing without having to learn too many lessons the hard way.

Equity management is a concept that involves showing how home equity can be better utilized by harvesting it from the home and putting it to work. You wouldn't store $10,000 under your mattress, so why would you keep $200,000 in the walls of your home? We can show you how by harvesting your equity and investing it conservatively, not only will you be in a more liquid and safe position financially, but you will dramatically increase your net worth over time!

The second step in our process involves making sure that your equity is conserved, not consumed. We have partnered with highly-respected financial planners and real estate investment groups to provide you with conservative, safe, and lucrative opportunities for building wealth. We also put our money where our mouth is - we don't recommend anything to you that we haven't already tried successfully ourselves.

Our team is committed to integrating your mortgage into your overall financial plan and showing you that anyone can build wealth through real estate. Everything we do has been designed to achieve that goal while minimizing the amount of effort required from you. In fact, we're so confident in our skills and service that we offer a Complete Satisfaction Guarantee - if after your loan closes you're not completely satisfied with us, we'll write you a check for $500. No hassle, no fuss - we're that confident. That's what first-class service is all about - it's a great way to do business, and you'll appreciate the difference!

Areas of Expertise

Equity Management January Financial is one of the premier providers of equity management services for our clients. We can show you why it makes sense to get the biggest mortgage you can afford and how to build wealth at an accelerated pace. A home mortgage should be integrated into one's complete financial plan and used as a tool, not seen as something one wants to get rid of as soon as possible. Click here for testimonials and endorsements from actual satisfied clients.

Residential We offer a full range of mortgage products for both A-paper and subprime clients. Some of the more popular products are PayOption ARMs (also called Neg. Am. loans), traditional ARMs (from 1-year all the way to 10-year fixed periods), 30-Year Fixed loans, 40-Year Fixed loans, as well as an Interest-Only option on all of the above. Click here for articles and more information.

Reverse Mortgages We can provide reserve mortgages for clients aged 62 and up. This is an innovative product which allows you to convert your home equity into one or more payments while retaining ownership of your home and avoiding monthly payments. Repayment of the loan is deferred until you are no longer living in your home. For more information, click here.

Commercial We can provide commercial loans for a wide variety of properties, including apartment buildings, office buildings, gas stations, motels, 5+ unit residential properties, and warehouse/industrial space. In some cases, we can partner with the SBA (Small Business Administration) to go to 90% LTV, meaning you would only have to come up with 10% down!

Land/Development We provide raw land and development/construction financing for a variety of projects. We can go as high as 90% LTV on raw land, meaning you would only have to come up with 10% down, and as high as 100% on certain construction loans!

Testimonials

To whom it may concern:

I have been meaning to write this letter for about six months; unfortunately I was not able due to medical reasons. However, now that I am better I wanted to let you and everyone know what a wonderful person and mortgage consultant Carey Pott is. He not only saved my house, my daughter's future (which for us is our home), he saved my sanity. The way he dug into my problem by getting us in contact with the right lender allowed us to get this loan in no time. He also assured me that even though my payment had to be higher to be able to save my house, after six months of paying everything on time he would personally call me to try to refinance this loan to lower the payment. And in exactly six months he called me. I can not tell you what a pleasure it is in this day and age to work with someone so professional and understanding. I want to thank you Carey, because now I have a lower payment and my house was saved. Carey, thank you again, I cannot tell you thank you enough. "Que Dios te bendiga" (God bless you).

Sincerely, I&CR

Dear Carey,

Thank you SO much for your help with our refinance. After trying two other companies who promised the world and then either couldn't come through or changed the terms or fees at the end, we were referred to you by our daughter. She said you had treated her with fairness and integrity when she worked with you and said I needed to call you right away. I'm so glad I did - you were completely honest and open with me right from the very beginning, and even though my situation was far from perfect and I was late on my mortgages, you got me an incredible loan and worked with me through the entire process. You explained everything along the way and made sure I was always aware of what was going on. If anyone reading this is considering using Carey for their refinance, let me tell you that he is an individual of the highest integrity and professionalism. I will never call another mortgage person again.

Best of luck to you Carey, SM

Hi Marty,

We just wanted to thank you for helping us out with getting cash out of our home to consolidate our debt and lower our monthly payments. We were really impressed with how you told us what to expect along the way. After paying off our car and two credit cards, we saved over $400 a month and got out of hot water with our mortgage company and our creditors. Our loan was definitely not an easy one to do. We had just moved in 8 months prior and there's not a lot of new homes in our area, so finding houses like ours that had appreciated wasn't easy at all. I signed up as a co-signer on a loan with my brother, who pays with cash so we couldn't prove it wasn't my debt. There were a couple times when it looked like we were up against a brick wall, but every time you found a way to make it work. You didn't always tell us what we wanted to heawr, but it was the truth and we needed to hear it. We really appreciate your patience and integrity. Before choosing you to do our refinance, we shopped around quite a bit and you were the only one that we felt was telling us the truth right from the beginning. The final closing statement was almost identical to what you originally estimated and your fees were very fair. We've been telling our friends and family that might need help with refinancing their house to call you. Thank you for being someone we can trust in an industry with a lot of shady characters,

E&DF

Dear Marty,

I just moved into my new house and wanted to let you know how grateful I am to you for your help. I never thought I'd be able to own my own home, especially considering my situation, but you said it could be done and you were right! Due to some bad choices in my past, I had to file bankruptcy 18 months ago. I thought for sure that would disqualify me from getting a loan, especially without any money to put down. You said it could be done so I decided to move forward, even though I was doubtful. I'm a union worker and was between assignments, so I had almost no money to put down and my income wasn't great either. After getting me prequalified and letting me know what the payments would look like, you set me up with an agent you know in my area. She was really great and after looking at a few places, we made a few offers and actually got one accepted! You kept me updated along the way, let me know what to expect and let me know right away when there were potential issues. Even after all that, you put it together so that I didn't have to come in with anything more than my earnest money and I even got some money back after closing. I've been in the union for 17 years and I know a LOT of people in the area. I won't hesitate at all when people need someone to talk to about buying a home - if you can help me, you can help anyone!

Thanks again, MH