Se Habla Espanol!!!!!!!!!!!!!!

I specialize in subprime lending but i also service A paper and ALt - A clients. If you have any turndowns or tough loans dont hesitate to contact me!!!!!!!!!!!!! I able to originate and close loans in over 40 states.

Commercial financing is also available.   

FHA, 203b, 234c, 251 and VA financing available!!!!!!!!!!

Realtors in and out of California, lets start long term business relationships!!!!!!!!!!!!

A little personal background on myself:

-I graduated with honors and was 3rd in class ranking (out of 1,780 graduates) from Benjamin Franklin High School in  Los Angeles CA

-I earned a BS in Business Administration with a minor in Management at the University of California , Riverside 

-Proud brother of Lambda Theta Phi Latin Fraternity, Inc. and active alumni.

-I used to work in the wonderful enviornment that we call "corporate america"  as a branch manager for a big california bank which i can not mention due to copyright/trademarking laws

This poem is my inspiration in personal and business endeavors.................. 

"Dont Quit"

Author : Unknown

When things go wrong as they sometimes will,  When the road youre trudging seems all uphill, When the funds are low and the debts are high, Anf you want to smile but you have to sigh, When care is pressing you down a bit, Rest! if you must but dont you quit.

Life is queer with its twists and turns, As everyone of us sometimes learns, And many a failure turns about When he might had won had he stuck it out; Don`t give up though the pace seems slow; you might succeed with another blow.

Often the goal is nearer than It seems to a faint and faltering man, Often the struggler has given up When he might have captured the victor`s cup . And he learned too late, when the night came down , How close he was to the golden crown.

Success is failure turned inside out; The silver tint of the clouds of doubt; And you can never tell how close you are, It may be near when it seems afar; So stick to the fight when you`re  hardest hit; It`s when things seem worst that you mustn`t quit. 

"Dont Quit"  

I specialize in credit repair refinances pay off all of your high interest credit cards and /or consolidate both of your mortgages into one low FIXED monthly payment. No gimmicks , no bait and switching............. disclosures are released up front.

Another popular loan that clients likeis the 1% percent pay option arm. I would only recommend this loan for investors or only for a short period of time.

I am not going to sit here write about how i am the best loan officer out there or claim that i have access to over 4,700 banks to get you the best loan program because thats irrelevant. What matters is finding and giving clients what fits their needs either long term or short term. Most competitors offer the world but dont deliver and leave their clients unsatisfied. I practice honest ans responsbile benefical lending. 

Reverse Mortgages are a new type of finance that i am closing more and more per month. This type of mortgage is very helpful and benefical if understood and used properly.

Residential-------- Commercial----------Land/Lot Loans------ Construction loans -----------Hard Money-------------Private Investor

I have a bank that does Manafactured and Mobile Homes single and doublewide. Contact me for more details.

I have helped a multitiude of non-english speaking clients in understanding the loan process. Many people dont even know that they are charged origination points or junk fees!!!!!!!!!!!!!! People are taken advantage way too much and its really sad. With my clients i deliver,  if they want 50k in cash out they will get 50k in cash out. See my authentic testimonals below...............

 “Since I was purchasing my very first piece of real estate, I was a little confused with the whole loan process. I was also afraid I’d fall into a scam and never see a house under my name. However, Eddy Martinez was dedicated to helping me with all my questions and concerns regarding my home loan. He was honest, sincere, and trustworthy and, most importantly, he made me feel comfortable. Now, I’m the proud owner of a new home and it’s all thanks to Eddy!!!" ----- Norma M. - Upland CA

“I had a phenomenal experience with Mr. Martinez when I refinanced my 3 unit home this January…………….   i was in a financial situation where I needed to cash out on my property, I had tried 2 other institutions and they were unable to help me, their rates were either too high or my credit was not good enough for them to do anything for me. Mr. Martinez was recommended to me thru a friend that had just recently refinanced his home. Mr. Martinez understood my needs, and did not try to take advantage of my situation. All terms and conditions were explained to me in the beginning and never did I receive any surprises on changed rates or anything like that. I was able to get my cash out within a week, and now I am grateful enough that I want to encourage other people to use his services. No surprises and very professional. " ---- Liliana C - South Gate CA

"Eddy Martinez is a personable and astute loan officer. He listens carefully then tenaciously endeavors to find the best loan options for his clients. He repeatedly stated that my satisfaction with the final product, his own firm, and his service was his top priority. I've purchased numerious homes and have refinanced many times. Each event brings its own set of problems, frustrations, dissapointments, and successes. Eddy responded to every concern I had and was successful in providing me an affordable loan. I would use Eddy's services in the future and would gladly recommend him to my family, friends, and professional associates." ---- Edda K. - Hoover AL

"Mi experiencia con la compania y, especialmente, con el agente, Eddy Martinez, fue grata. No pense que pudiera obtener un prestamo tan facilmente. Muchas gracias por toda su paciencia y ayuda!" ---- Sandra P. - Denver CO

 

 

 "Queria tomar un momento de mi tiempo para relatar la fenomenal experiencia que tuve con el Senor Martinez. Estaba en problemas financieros en que necesitaba pagar mis tarjetas de credito de alto interes. Habia ido a otro lugares que hacian promesas de ayudarme, pero al fijarse en mi credito que tenia con pagos retrasados en mi hipoteca, simplemente me daban la espalda. El Senor Martinez fue recomenando a mi mediante mi cunada que apenas habia refinanciado una de sus propiedades. Asi es que le llame al Senor Martinez y al siguiente dia pudo verlo y el me explico como el si hiba a poder ayudarme, el porcentaje de interes fue muy bajo y hasta pudo conseguirme pagos mensuales en mi hipoteca mas bajos de lo que yo tenia antes y pude obter el dinero de mi equidad para poder pagar todas mis deudas con las tarjetas de credito. Si usted se encuentra en situaciones similares como la mia, El Senor Martinez le puede ayudar sin mentiras y sin sorpresas." ---- Maria R  - Philadelphia PA

 

 "I have gone through refinance hell with other banks and lenders in the past. I was hesitant to even refinance my home but my good friend  and neihgboor referred to me Eddy and the rest is history. He took me through the loan process step by step with no surprises and gimmicks. I highly recommend Eddy to refinance or give you a new home loan" -----------  Karl K. - Long Beach CA 

 

"There is light at the end of the tunnel and Mr.Martinez showeed me the way!!!! I had a 501 FICO score over 8 collection accounts and had two thirty day lates on my mortgage. I also had a ton of credit card debt, i didnt know what to do. After a consultation with Mr. Martinez he suggested a loan that would pay off all of my debt and get me an extra  $35,000 in cash out. It sounded to good to be true , i had many reservations about this. In two days Mr.Martinez  delivered exactly what he promised , he got me an approval from the lender!!!!!!! Thanks to Mr.Martinez he liffted the big debt monkey off of my back and i  am saving $375 a month on my mortgage. I would like to sincerley thank and DEMAND that you work with Mr.Martinez for any of your home loan needs !!!!!! - ---Jose Rodas - Hopkinsville  KY

 

"EL SENOR MARTINEZ ME HA REFINANCIADO TRES DE MIS PROPIEDADES QUE RENTO A MIS FAMILIARES. CADA VEZ HA SIDO UNA EXPERENCIA PROFESIONAL Y CORTES. EL SENOR MARTINEZ ES SINCERO Y EFICIENTE, POR MI CUENTA EL ES NUMERO UNO!!!! LE MANDO NEGOCIO FREQUENTEMENTE Y ELLOS TAMBIEN QUEDAN SATISFECHOS." ---- Marcos G. -- Port Charlotte FL

" FAST SERVICE NO SURPRiSE FEES , EDDY DELIEVERED WHAT HE PROMISED FROM THE ONSET OF MY REFINANCE. I COULD GO ON FOREVER. IN SHORT, EDDY IS THE BEST !!!!!! ---- Mike M. ---  Wichita KS

 

 

Eddy was very patient and kept me at peace and very informed through out the entire process. He is the best negotiator there is!
	Rosalie Austin Home Buyer Altadena, CA

 

"El senor Martinez es cortes y de pablar. Me hizo todo los areglos en mi prestamo que me prometio. El es un profesinal de todo dar y se lo recomiendo a todos ustedes para sus necidades en las bienes y raices". ----- Carolina Juarez ---- Los Angeles CA

 

 "Doing business with Mr. Martinez was a great experience. I sent him over my application online and he called me right away the next business day, with that I knew already he was going to be professional and responsible. I live in North Carolina and even though I never met him in person he was able to handle the refinance on my three unit property. My daughter was graduating from college and I needed the money ASAP to buy her a car as a present, Mr.. Martinez worked with me in getting a low rate and a quick turn around, within a week I had the money I needed and my daughter was very happy with her graduation gift. Mr.. Martinez is a professional and knows what he's doing, as a matter of fact my mortgage payment is now lower than before. Thank you Mr.. Martinez." ----- Debra Craig -- Concord, NC

 

"El Senor Martinez, Dios lo bendiga. Yo creia que con el poco credito que yo tenia nunca hiba poder comprar mi propia casa. Gracias a que un companero de trabajo me lo recomendo me puso en contacto con el. Yo no hablo nada de ingles y el me pudo explicar todos los tramites en espanol. Mediante financiamiento creativo pudo conseguir mi casa que tanto le habia prometido a mi esposa, y los pagos mensuales son muy razonables para mi. El senor no se aprovecho de mi falta de ingles ni de mi ignorancia en negocios, mas bien me ayudo demasiado y se preocupo por que yo consiguiera el porcentaje de interes mas bajo posible. Gracias a el ya soy dueno de mi casa." ---- Isella Ramos-Diaz --- Indianapolis , IN  

 

 

"GREAT COURTEOUS SERVICE, GREAT RESULTS !!!!!!!!!! EDDY IS THE MAN TO HANDLE ALL OF MY REAL ESTATE NEEDS AND I WOULD RECOMMEND HIM FOR YOURS ALL DAY EVERY DAY !!! " ---- TIm Carter , Melbourne FL

 

"I've dealt with a few different companies and was totally unsatisfied until I got in  touch with Eddy Martinez. Very painless. I got what i needed  and got a easy closing" - Martha Velasco ---- Springfield - Oregon

 

"Estoy escribiendo este mensaje para dar le las gracias a el senor Martinez. Era cortes,respetoso, y amable durante nuestra decsion en refinanciar nuestro condominio." Juan y Petrofina Gonzalez --- Orlando , FL

 

"We should have no problem getting our credit back in order and pay off all our small cards with no worry at all. I want to thank you again for helping us in our desperate time of need! At that time I thought there was no hope and you pulled us through to get us started on the right track......We are much more at ease now and can look forward to paying a bill instead of being scared to death when they roll in. I'll be talking with you again soon. Your an angel!!!!" ---------- Misty Green. -- Hopkinsville  , KY

 

"El senor Martinez nos ayudo en un tiempo muy difcil para niestra familia. Era delciado en nuestras neceidadas. No teniamos dinero para pagar la evalucaion de nuestra casa  y el senor martinez lo pago de su propio bolsio. Palabras no explican cuanto le agredecimos los servicios de el senor Martinez, Gracias ------- Familia Garcia ---- Downey , CA

"I had an excellent experience with Eddy even though we were almost 2,000 miles apart geographically , escrow was scheduled to close in two weeks on my purchase  and he got my loan done in time. I got the payment i wanted with no stress whatsoever. I will send referrals to Eddy whenever i get the chance. " ------- J. Robbins  --- Sandown , NH

"Mr. Eddy got my loan in 4 business days i am very impressed he is the best!!!!!!!!!! ----------- Tim Lockeed -- Lake Elsinore. CA