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