To Offer Highly Competitive, Effective Mortgage Loans in an Environment of Respect, Integrity

Here’s what Clients are saying about
Chris Brown, Lender Extraordinaire!

Mission

To offer highly competitive, effective mortgage loans in an environment of respect, integrity and transparency.

Baseline Principle

Radical Abundance: When faced with the opportunity to act from Abundance or from Scarcity – to always choose the path reflecting the principle of Abundance.

Motto

“Do what is right for the client – the rewards shall surely follow.”

Vision

Our clientele knows that we are competent, knowledgeable, trustworthy and effective. They refer their respected colleagues, best friends and closest family members to us because they are highly confident that we will provide well-matched products and services, with a strong component of personal relationship. Our clients contact us for referrals for all manner of topics, because we are known for our inventory of top-flight professionals to address a wide variety of needs.

Chris Brown

Lender Extraordinaire

“Your Mortgage Loan Advocate”

(408) 781-9090

“Chris Brown helps people for whom it would be very difficult to buy their own house without the extensive creative help she provides. This year, she helped me refinance my home and get out of a loan I absolutely hated because the interest rate was rapidly increasing and so was the size of the payments. While I had to pay heavy pre-payment penalties to the previous lending bank, Chris did everything to help me get out of that loan and then worked very hard to get me a 30-year loan at a very low fixed rate.
The refinance at a much lower rate made it possible for me to pay off some bills and get some things organized. It was great that I was also able to get cash out to buy another property. When I had a challenge in coming up with some required reserves, Chris was instrumental in helping me with a hard-money loan, too. I truly believe that she looks for the very best for her clients and doesn’t concern herself about her commission; she really bends over backwards to ensure you get a great loan!
During the loan process, Chris definitely expanded my understanding of loans. She was 100% responsive, and even her office kept me updated while I was out of town.
Chris also helped me in a way I never expected from a loan consultant. She helped me be spoiled and go through my mid-life crisis when I purchased a hot little vehicle I wanted and the loan didn’t close in time for me to acquire it. Without her intervention, I would have lost the chance at purchasing that vehicle, but Chris got me a short-term loan to secure the purchase of the vehicle before the loan closed.
I adore Chris Brown and would recommend her to absolutely anyone! I respect her and think she’s fabulous as a loan and real estate consultant and as a human being. I don’t trust a lot of people, but I would highly recommend her, because on a personal basis, I feel she cares about me and truly about other people, as well, as demonstrated in the volunteer work she does.”
Teri Morrow
Teacher, Special Education
“I needed a Home Equity Line of Credit to remodel a 25-year-old townhouse. She got me a great rate. Chris also helped me refinance my existing loan and go from a variable to a fixed loan, which over the long term, meant lower and more manageable payments and was much better for my financial situation. The loan was for a deed-restricted property that the city in which I live sponsors, which is difficult to explain to the lender.
Her ability to provide education on the loan made the process seem straightforward. Chris helped me learn how to talk to lenders in a language they would understand. Prior to meeting with Chris, I was not very knowledgeable, but with her help, the process became not so daunting or overwhelming.
I needed this loan fast, too, because the way the rates were varying, we wanted to catch it as low as we could and Chris managed to accomplish that. She advocated for me, too, in that she went with me to a lender. She knows a lot of different lenders. When I got the HELOC, she knew all kinds of people at Washington Mutual.
Her personality, her style and her approach make it easy to do business with her. For example, my former lender was very formal and I had to come to his office. But Chris was willing to come to my home, review papers, go to the lender, and made it more personal. She was also more available and accessible. I could ask her things and it was okay that I didn’t know enough. If I needed her to go out of her way, she would do it. She was very matter-of-fact and made everything clear and provided information on the spot. And all of that with very reasonable fees.
Chris’ negotiation skills are excellent! Because of who she is as a caring person, she helped me with a car financing one time and was willing to talk with the people who were lending and she advocated for me just to be of service.
I really value my comfort in talking with Chris Brown. I have confidence in her honesty and integrity -- personally and professionally.“
Sandra O’Neil
Nurse Practitioner
“Chris Brown was very supportive in helping us come to a difficult decision of having to sell our home after being there for 24 years. Emotionally, it was very difficult. At a time when we were having a challenge in keeping up with our current mortgage payments, through her creative financing, Chris enabled us to hold on to ourhome long enough to put it on the market at a more opportune time. Without her creative financing, we would have probably lost our home!
She worked hours and hours on our behalf, and if something needed to be signed or needed to be done, she would put a lot of time to hold open houses to help us sell our home. I do know that when Chris was helping us sell our home, she and her Realtor partner cut back the percentage of their commission in order for us to clear more profit, which we needed in order to buy our new home and have the 10% down required for the down payment.
We learned quite a lot from our lender, Chris Brown. On a scale of 1-10, I would put her at 15. She is very, very creative when it comes to crossing barriers. She is very clear about advising on only taking out a loan that you can realistically handle. She will go the extra mile to get the right loan, even when it would be easier for her to get a simple loan.
Chris spent a lot of time explaining the material to us and showing spreadsheets. I am in complete awe at how much time she would spend to ensure you knew what you were doing. There are a lot of brokers who would just not do that. That is a rare quality to be cherished.
When we were in process of trying to buy a home, Chris did a phenomenal amount of negotiating for us. It was incredible! She also was totally responsible in working out a superb loan.
We recently bought a new home, where we had an agreement with the home builder’s broker to get our loan from them. However, Chris Brown was instrumental in setting up a back-up loan for us that we could use in the event that the builder’s broker couldn’t come through. On an emotional and security level, her providing a back up loan was priceless! There aren’t many loan consultants who would be willing to go to that extent.
It was very critical to have fast turnaround on the loan. Her ability to act quickly made it possible for us to get a great deal on the property – we got $50,000 off the purchase price and $7500 discount on the closing costs.
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Chris’s integrity and honesty are stellar. Every step of the way, she told us and was upfront about what she was doing. We could see everything on the spreadsheets. Chris’s documentation and reporting are very thorough and very clear. The fact that she was able to get us a really good loan was amazing. She put hours and hours into it. She was an emotional rock when things were falling about our ears.
When we were trying to get our home for sale, she showed up all the facets of staging our house and loaned us a book on staging. She even helped dig and trim in the backyard to get it ready for sale. And what she couldn’t do, she found people to do it. I have treasured memories of her pulling things off the wall and making the yard look really good. She bought a whole set of china to dress the dining room table, as the staging professional hadn’t like our china. I sat in on some of the open houses and I was amazed at some of the efforts she made to put people in touch with others if she couldn’t help them.
She is a MIRACLE WORKER!“
(Lending & Realty Client)
“I had sold a previous home after parting ways with my partner and needed to buy again rather than rent in order to get a tax break.I wanted to purchase a townhouse, but had some challenges in that I had been unemployed for some time and was only back at work for a few months.
While I had a fair amount for the down payment, the biggest problem was not having a history of recent income, because a lot of lenders don’t even want to talk to you when you don’t have that history. So my lender Chris Brown helped me get an interest-only loan with a reputable bank. She was tenacious and kept looking until she found a lender who would provide the right loan. In addition, since I didn’t have the full downpayment, I needed more cash to get a 2nd loan. Chris helped me with that, too.
When I put the offer on the townhouse, as an incentive to the seller, I waived some of the contingencies and said I would be willing to close within a couple of weeks. Chris had already done a lot of the upfront work, because it allowed me to move through the loan quicker. During the process, she let me know how things were progressing and what information I needed to provide upfront so that I could gather everything. Chris is also a stickler for detail and very organized. She would make sure to call all of the relevant people to ensure that the loan went through quickly and was very diligent about staying on top of it. Chris was great at answering questions. This enabled me to make informed decisions.
Chris was very upfront about her fees and how that works. She’s one of the most ethical people I’ve ever met. I felt I could trust her and had no qualms about that whatsoever. There were times when I felt really discouraged about finding a place that I could afford and it was really good to have somebody like Chris whom I could trust. This made a big difference to have her in my corner. Chris made me feel like I was her only client. I always felt like I was her top priority. It never occurred to me to go anywhere else, because this was a very difficult emotional thing to go through and going with someone like Chris was more important than the money end of it.
Even if she hadn’t saved me money, I would have still gone with her. Her sense of ethics makes it worth it and you know she’s going to go for your best interest. She’s a real advocate for people who have challenging situations.”
Regina Morec
“When I needed a loan, I was struggling for money. Due to surgery for cancer and doctor bills that weren’t all covered by my insurance, I had bills I was paying on high-interest credit cards. Also, while I did have really good credit, I had a home mortgage where the interest rate was on its way up. I needed relief! So with my lender, Chris Brown, I was able to take money out on the house to pay off the credit cards and reduce my expenses by combining my main mortgage and a home equity line of credit at a lower interest rate. And the cost was not as high as getting it from a bank.
Chris did this first by helping me get connections for whom to go to and she did all the work to find the right banks to select from. I didn’t really know much about loans and Chris really educated me on what to do and how to get the loan. To me, Chris Brown is like a doctor who knows more about a body than I do. I let her explain things to me and would go with what she recommended, because she knows more about it and she’s very trustworthy. She is very intelligent, knows all the different terminology, and is constantly thinking about ideas. She was managing the money, so I let her make the decisions.
I felt comfortable going with her to sign papers. She actually went there to be with me when I signed the documents. Most people don’t do that. That’s important and it means that she cares. It made me feel good that she was holding my hand and gave me more confidence in what I was doing in the steps to get the loan.
I’ve never met anybody who has done something like this that shows she cares about other people. She helps people who are in a different situation where they need support. She helps people more than herself. She’s a very honest person and she’s making some money, but that’s not her main concern. Her main concern is to help them with their financial situation. She will do all the homework to talk to the right banks and the right people, but what she does behind the scenes is transparent.
Chris really went above and beyond to help me. I feel like I’m doing something I should have done in the past. Especially being a woman and being alone, I felt it was great that she had all this knowledge and could help me with her background. I would definitely go through her again in the future.”
Olga Sanchez
“I have known Chris Brown for many years. I send people to her because I believe she’ll give 100% of everything she has to help them. So, I recommended her to help my daughter and her husband with their refinance so that they could pay off a lot of debt quickly. It was critical for them to get out of debt, stay afloat and not risk losing their house.
I have a lot of respect for Chris’s knowledge. What I like about her is that when you and I are on Step 1 or 2, she’s on Step 10, and she can tell you all the ins and outs of each step. She makes sure you really understand things. She went to many different lenders, compared prices and worked out what was the best way for them to go. She took a lot of time, energy and trouble to help. Her negotiation skills were very in character. I’m always impressed with how far she’s willing to go. She does her homework, does the comparisons and goes through more detail than you’d ever want to know. But by the time you’re done, you’re very well educated. She is conscientious and very quick!
Chris is a warm, genuine and caring person. She cares about the client. It’s more important the people part of it. She’s chosen to do that. I see her working to fulfill what she wants to do. I don’t hesitate to send anyone in trouble to her. She approaches what she does with a lot of integrity and I would send anybody I knew to her in a heart beat!”
I would also like to add that I found Chris's help invaluable in securing a 2nd mortgage on my home. She found me the right loan from the right people and got me the help I needed. She sent me to the right place even though it meant no commission for her. She sent me because she believes it's the right thing to do. I admire and trust her ethics.
Paula Brandon
Business Owner
Ultrasound Services
“I needed a commercial loan to buy a property for my art business in Pleasant Hill. It had to be an SBA loan, which is more difficult to secure, because it’s a business loan and is based on the viability of your business, not just on your personal finances. Also, I didn’t have a lot of money to put down.
I went to Chris Brown for help. She is very good at assessing people and finding them what they need. She is very smart and very knowledgeable.She learns quickly and can find loopholes and finds her way around hurdles. She is creative and resourceful.
With my needs in mind, she was able to immediately get the right commercial lender who could help me and I got the best loan to enable me to buy my commercial property. Afterwards, Chris did a follow up and made sure that I was taken care of. She is so ethical. She demonstrated that she is out for what’s best for the client as opposed to what’s best for her. She was concerned that I am getting my needs met. That is what motivates her. She’s the greatest!”
Christine Paris, Founder