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Unlock your equity without touching your mortgage!

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#1 HELOC PROVIDER

WHAT IS A HELOC?

A HELOC is a Home Equity Line of Credit. It works like a credit card backed by your home’s equity—giving you access to funds when you need them.

A HELOC doesn’t replace or change your first mortgage, and your monthly payment is based on what you actually use (your balance)—not your full credit limit.

Married or co-borrowers? We CAN use both incomes while using the best credit score to qualify.
Funds can be used for anything.

We areTrusted by Homeowners & Investors Nationwide

VICE PRESIDENT OF LENDING

Eric Fan is a Vice President of Lending with over 20 years of experience helping homeowners, homebuyers, and real estate investors find financing that fits their goals. His expertise spans home purchases, refinancing, HELOCs, investment property loans, and creative financing solutions for complex borrowing needs.

With access to more than 170 lenders, Eric and his team offer a wide range of mortgage options backed by straightforward advice and personalized service. He takes the time to understand your situation, explain your choices in everyday language, and identify potential hurdles early, so you can move forward with clarity and confidence.

Eric’s approach is built on trust, transparency, and responsive communication. From the first conversation through closing, he keeps borrowers, agents, and escrow teams informed and working together.

Whether you’re purchasing a home, accessing your equity, or expanding your investment portfolio, Eric is ready to help you explore your options and take the next step. Read the client reviews below to learn more about working with him.

949 822-8123

What Clients Say About Us

Clear guidance from day one

Nathan made everything easy to understand and never left us guessing. He laid out our options, explained the trade-offs, and kept the process moving. We felt confident the whole way through.

California

Fast, organized, and responsive

The communication was the best part quick replies, clear next steps, and zero confusion. Nathan kept our purchase on track and helped us make smart decisions without pressure.

Arizona

Investor friendly and straight to the point

I needed financing that fit the numbers on my rental, and Nathan walked me through the DSCR approach in plain language. The process was smooth, organized, and handled with real urgency

Colorado

Smooth process, no surprises

I’ve done loans before and this was one of the cleanest experiences I’ve had. Everything was communicated clearly, timelines were respected, and we closed without last-minute chaos

California

Made the process feel simple

I expected a lot of back-and-forth, but Nathan kept everything structured and easy. He explained what mattered, handled the details, and made the process feel calm and predictable.

Washington

Closed on time with clear communication

Our timeline was tight and Nathan stayed on top of every step. We always knew what was next, what we needed, and when we’d be cleared. Smooth closing

Florida

Great for investors who care about numbers

Nathan understood the deal right away and focused on the numbers that mattered rent, cash flow, and leverage. He helped us choose the right structure and kept it moving.