Home Equity Lending Professionals (H.E.L.P.), was established in March of 1994 in Orange, California. We want to make sure everyone in Orange County and all of California can safely buy or refinance a home, get real help, real answers, real information, real rates and real results - not misled, misdirected and pushed into a bad mortgage loan at their expense!

We are confident you will get help, answers, rates, and service with us you will not get anywhere else. That is our commitment - we promise!

BECAUSE HELPING YOU get the best possible mortgage, at the fairest price, in the most timely manner, as well as provide you with real, relevant, and helpful information, is our chief aim and main focus, we will always -

LISTEN to you. We will listen to what you say and do our best to meet your needs. We really want to know what you want and what you need.

CARE about you. As we are working together, we make sure you are our first priority. We never want any of our clients to feel as if they are being rushed by some assembly line and handled by uncaring order-takers. We want you to feel comfortable getting your mortgage, not filled with anxiety.

TALK to you, not at you. When you talk to someone about personal information and expect the person you are giving this to, to talk to you not down to you. Or even worse, use that information to manipulate you.

INVITE you to be part of your loan process, not be a spectator. We want you to be an informed homeowner so the next time you purchase, refinance, or take a 2nd mortgage, you have more information, more knowledge and more confidence.

GIVE you a firm grasp of all the tools you need to avoid borrowing pitfalls so you can stay in control.

ANSWER every question you ask. Answer in everyday language. Explain our answers. Give you real answers to your questions.

SHOW you a clear picture of your situation and what to expect. Because we are not order-takers, but professionals, we will invest as much time with you as needed and go into as much detail as you want, what loan you qualify for, and what your costs will be.

SHARE our knowledge and experience with you. When you feel comfortable knowing you are not just getting another loan, but you are getting a personal professional advisor, then we have truly succeeded in fulfilling our commitment to you.

WORK hard for you. You have us as your total resource. Work hard  for you because it is the way it should be done.

QUOTE you real rates and real loans, not some non-existent rate just to "hook" you.

USE everyday language so that you are an informed consumer, not misdirected by smoke and mirrors.

HELP you every step of they way. Whether you are a long-time homeowner or a first-time buyer you will get help with whatever you need.

INVEST time with you - as much time as you need to clearly understand all the terms and "lingo" -as much time so that you can easily see the difference between help and hype.

PROVIDE you with choices, not push you into anything. We want to make sure that when it comes to your time, your money, and your future, you are well informed about what you can do and what needs to be done.

GLADLY and promptly provide a real Good Faith Estimate. There are companies that send forms that are not real Good Faith Estimates - just to make you think you are getting very low costs, then when you go to sign you find out just how much you are actually paying them.

THANK YOU for working with us for your mortgage loan financing needs, your time, your confidence, and especially your trust.

What we will never do to you...

• Have you talking to an order-taker.
• Avoid answering your questions.
• Delay sending you your disclosures.
• "Toy" with the interest rate figures.
• Use lingo to mislead and confuse you.
• Ignore your calls.
• Push you into a loan that is not right for you.
• Toss junk at you. .
• Give you bad or misleading information.
• Pull a bait 'n switch.