Our goal is to be a definitive resource for the valued employees and residents of Southern California. We will demonstrate a compassionate approach to the housing needs of those who are willing to come forward and be part of the education process.

We will never forget the value of being recognized by the leaders in our communities and the credibility that comes from such recognition. To that end, we will remain above reproach in all of our professional encounters and work tirelessly to be the "gold standard" of all other educators in this arena.

Finally, we will confirm, through available channels, that all experts who are called upon to assist those in need have and continue to have an unblemished record. We will confirm that they meet or exceed all local, State and Federal guidelines so that the spotlight that shines upon this program brings a sense of pride to those who endorsed its origin.


Today, more than ever before, the general public is in need of answers they can count on. Far too many individuals are feeling lost due to the rapid changes that are taking place. Where is my bail out? Who can I trust? How does a note modification work and am I going to have tax consequences? If they foreclose, when can I buy again? These are only a few of the questions being asked today that we have qualified answers to.

Others are in the enviable position to buy in today's market but are wondering, why is it so hard to buy an R.E.O.? How exactly does a short sale work? I've heard about government programs available that help me with my down payment...do I qualify?

You must be familiar with the following acronyms if you want to be sure you are receiving the help that is being offered to you today; Fannie Mae, Freddie Mac, PERS, STRS, VA, FHA, MCC, Down Payment Assistance, CALHFA, USDA Rural, FHA203K, Reverse Mortgages etc... If you qualify for help, of any sort, we will know. Just as important, we will let you know if you do not. Before you pay money to a modification company, or others offering to help, attend one of our free classes. Learn the questions everyone should ask prior to entering into any agreement.We're here for you. 
 
H.E.L.P., a partnership to ensure proper guidance in troubled times.