“I can honestly say that the financial education I received from your website videos has changed the way we handle our finances, so I recommend spending a few minutes and reviewing the calfers.com educational videos. Here are 5 referrals.”

                    Cathleen Moreno, Sanger Unified, CA.

"Your seminar on mortgages and financial planning was the most thorough my wife and I ever saw. Although the seminar was one hour the audience was so interested they asked 3 hours of questions! Because of  my medical problem I had 5 mortgage lates in 1 year and no bank would refinance me. Banks actually laughed at me for trying to get a better mortgage. Not only did you get me a better mortgage you saved me money and got me better  terms.

My previous lender also dragged their feet and tried to delay my going to Title  by 2 weeks for your new mortgage.  Thanks for playing hardball with them and knowing what laws to quote to stop their unethical delaying tactics because the next day I went to Title. I feel like a rich person to have real professionals in my corner. Here are 3 referrals."

Ricardo Paragussu, FEDEX. San Jose, CA

"As a person selling franchises in California for one of America's largest mortgage  companies it was a lot easier for me to shop a better deal than it would be for an average person. Not only did you offer the best mortgage and prices your education is life changing. Your closing costs were 1/3 of what my previous mortgage lender offered. Your equity line was several interest points lower. Overall, you really impressed me I will get back to you with some referrals. Until I met you I never knew that I needed a debt and equity strategy today I could not imagine getting ahead without it. 

Mitch McFarland, GMAC Northern CA

Thanks for helping me keep my home by lowering my mortgage payments. Thanks for taking my calls to help me on my financial planning and recommending someone I could trust for my Living Trust.

Sonia Machado, Pittsburg, CA