(760) 622 5087 [email protected]


Now Offering Home Loans

For Credit Scores Down To 540

Even If Self-Employed Or 1099-Employed


Get the answers to your mortgage questions, including the interest rate and the monthly payment.

  • Home loans to lower your monthly payments
  • Home loans to eliminate your other debts
  • Home loans to buy your own home

All the help you need to make sure you get the loan and understand what you are signing.

You are an individual, so is your situation and so is your loan. Have your details (Gross income, credit score, down payment) ready so we can discuss your situation, your goals and the outcome you want.  Then I get to work to create the right solution to your situation.


To start a mortgage application, visit my secure site fakrizubek.zipforhome.com

How It Works

Regardless of the path you are on,

10 years-of-savings-to-the-down-payment



there is a home loan (mortgage) for you. The loan solution depends on your circumstances. In 15 years of helping people, I have always been able to find a solution to buyers’ needs. An open and frank discussion  determines the issue(s) and the options available.

The loans are many and, most importantly, they are all at wholesale rates. What does this mean for you? No premiums or mark-ups. You save each and every month with a lower monthly payment. The loans include Fannie Mae, Freddie Mac, USDA, FHA and VA. I offer down payment assistance as well as no fee loans, loans for the self-employed, the semi retired, and for investors. There are high balance, jumbo and alternative loans.  You save both on the fees and the interest you pay.

Your loan is as easy as answering some questions at my secure site fakrizubek.zipforhome.com


What if I don’t have the down-payment on this loan?

I have loans with a smaller down-payment. I even have loans where you only need a small amount of money as the deposit to show good faith when making an offer.

Isn’t there an income limit for assistance programs?

There are assistance programs geared to every level of income, including people making well into 6 figure levels. Even if the combined income of all the borrowers should total up to 7 figures, there is still an assistance program specifically for these cases.

What if my credit is not so good?

I have loans for credit scores all the way down to 500.

What if I am self-employed or working on a contract basis?

I have loans for the self-employed, even if your tax returns show little or no income after deductions.

I had to declare bankruptcy a couple of years ago. Can I get a loan?

Once you have passed the 2 year mark from the date of discharge on a Chapter 7 bankruptcy, there’s a home loan for you. On a Chapter 13 bankruptcy, you are immediately eligible.

I am semi-retired and only working for spending money. Can I get a home loan?

Yes, I have loans for people in your situation.

I have been told I can not get a loan to buy another property because I already have too many. Can you help?

Yes, I offer loans with no limits on the number of properties you own or mortgages you hold.

What if I have some combination of these circumstances?

I have home (mortgage) loans  for most circumstances. A frank discussion determines which loan options apply. Answer the questions to start online and we’ll talk later. If you’d rather just talk about your options, contact me.

To immediately apply for a loan, start here