Brad and Julie spent months searching for a new home with enough space to accommodate their growing family. The home they really wanted seemed out of reach because the monthly payments quoted by a traditional bank officer were just too high. We showed them a new and better approach. Now they live in the home of their dreams.

Recent innovations in real estate finance give you opportunities that didn't exist even five years ago. For example, the monthly payments for a home loan are not always higher just because you get a bigger loan. For Brad and Julie, that made a world of difference by allowing them move in to their first choice home that was newer and nicer and truly had enough space for their whole family. Once they saw how their monthly home loan payment could be up to 52% lower than a traditional bank loan, the lights came on and their dream home was clearly within reach.

Why limit yourself to the rigidly high payments of a traditional bank loan? Buying a new home and moving your family is big commitment. Sacrificing for a lesser home and then moving up when your income increases can be very inefficient when you consider the costs associated with selling and moving again. If fact, chances are that by the time your income is high enough to suit a traditional bank, the home you wanted is still out of reach because real estate values just went higher in the meantime.

The fact is that most of the wealth generated from owning real estate happens because real estate values move ever higher. It is not primarily a function of paying down your loan balance, which raises your payments dramatically but only reduces your balance slightly—especially over the first five years.

The type of home loan highlighted in this article, which made so much difference to Brad and Julie, is routinely misunderstood and dismissed with pitifully short-sighted analysis by financial journalists and even many loan agents. Do not be misled!

Any homeowner, and especially younger couples who anticipate higher incomes in the years ahead, or people who's income fluctuates from month to month, should get the facts about this powerful financial tool and how it works. Discover how this loan can not only put you in the house of your dreams, but also how it can help you to increase your wealth at the same time. Thousands of homeowners across California—especially savvy and affluent homeowners—have already put the power of this loan in their corner.

Brad and Julie’s story illustrates the power and convenience of one particular loan product. You may have different needs and desires. To see the full range of purchase money solutions, please refer to the Purchase section under Services.


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