I first began originating mortgage loans as far back as 1997 in Tulsa, Oklahoma. I still remember driving for 3 hrs from there to a small rural town named Sulphur, Oklahoma one night just to pick up an updated paystub from an elderly Client so their $13,000 mortgage loan could fund the next day. Not much has changed in my resolve or my determination to make deals happen. Homeownership is a privilege but there are many enemies to it. Bad credit habits, past mistakes, fear of commitment, myths & misinterpretations and more recently, seemingly oppressive and restrictive Underwriting guidelines handed down from Fannie Mae, Freddie Mac, HUD, VA and USDA. In the war against a rent-doomed life, I continue to shine as a beacon of light. Hundreds of grateful Clients say so. My vast experience in correctly understanding and implementing Lending guidelines has earned me a reputation for being a “no-nonsense” Lender. A Homebuyer’s ally that wrestles Underwriters to the n’th degree, and excels at arguing the merits of each file, often championing a Loan Approval against all odds. And so I find myself never wanting for referral business because hard work, integrity and skill are the birthing places for repeat clients and referral business. Take a few minutes to watch the testimonials on my site from Real Estate Agents whom I work with closely and Clients. Be sure to also prepare for home ownership by watching my homebuyer video tutorial series at www.homebuyerworld.net/charlesvamadeva. My advise to Homebuyers: “Don’t believe everything you hear. If the door of Homeownership gets slammed in your face, crawl under it, go around it, or knock the whole door down.” Call me so I can show you how . . I originate FHA, VA, USDA & Conventional Loans across all of California. Admittedly my Staff and I have a soft spot for our Military buyers. So if you are a Vet, you found your Lender. Homebuyer: why haven’t we spoken yet? You need to call me :)