(949) 259-3200

Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

Meet our team:

Sam Pabuwal - Broker
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Experience: Sam combines over 15 years of mortgage, real estate and capital markets expertise with cutting edge technology to ensure that you get the loan that's right for you, along with the best terms available.
Education: Bachelors of Science, Industrial & Systems Engineering; Binghamton University 2003

Melissa Edmonson - Realtor
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Melissa has quickly established herself as one of California's premier Realtors

Luis Ordonez - Processing Manager

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Luis has held multiple key roles in mortgage companies of various sizes throughout his 13+ years in the mortgage industry.

Keila Ponce - Mortgage Loan Originator
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Keila is a fully bilingual Mexican American Real-Estate professional committed to excellence, focused on saving her beloved community time and money through an otherwise challenging and ever-changing market.

A top-producing licensed Mortgage Loan Originator and Realtor with over 17 years of experience in the industry, she is consistently recognized for a unique personality that works her magic to simplify both the lending and home buying/selling processes for clients with whom she builds strong relationships to last a lifetime.

Devoted to understanding YOUR needs, Keila strives for getting it done with satisfaction and closing deals that keep happy clients constantly referring her to their friends and families.


Sam and his team are great. I've worked with them on 2 refinances and 2 purchases and they're always very attentive and available at almost any time of day. I've recommended him to other friends and family members and will be in touch with him for our next purchase.

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Kathy J 

Sam P. is the MAN!!! He did my Re-Fi after Citibank (who already had my mortgage for 6 years) played games with paperwork. Quick to reply to emails and answer questions, he got it done in under 30 days. And, with the best rate possible (I had numerous bank call to to quote me for my Re-Fi and after hearing the amount Sam got me, they would hang up)...I always recommend him to all my family and friends. Awesome service and he will save you a TON on money. Can't get any better than that!
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Kam P 

Shopped around for good rates and low costs with a number of major, big-name lenders but no one could touch Sam. I've refi'ed twice with him over the past two years and between the two he's saved me over $700 per month. The refis were effortless, no hassle, and totally stress-free, and Sam covered all the bases for me. He's HIGHLY professional, a straightforward and no nonsense guy, and answered all of my questions throughout the process. I'm referring friends to him and very strongly recommend him. A+ all around!Sample Image

Scott P


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