Helping You Make Smarter Mortgage Choices
A Mortgage That Fits the Goals for Your Stage in Life
Whether a Home Purchase or Refinance, We’re Here to Help!
previous arrow
next arrow


Ryan Oakland, CA

“Wendy is great. I expected a disorienting process but the level of reliability made for a pleasant experience. Wendy’s timely follow-through and availability gave us a competitive edge, as we had keys less than 2 weeks from viewing. I most appreciated Wendy’s customized service, basically providing a high-quality crash-course in the local home buying market. It was great to work with someone as passionate about the details. The education is truly invaluable!”

Fraser Moraga, CA

“Wendy was incredibly communicative and insightful about the process. She helped alleviate a lot of our concerns and also allowed us to close incredibly fast. Wouldn’t have been able to get this house without her support and guidance.”

Leah Concord, CA

“From the first time I met Wendy, I felt like she was looking out for me. I am a first-time home buyer, making this enormous purchase on my own, and it was helpful to have Wendy walk me through the process. She was easily available by email and phone when I had questions – even simple ones like, “What does this mean?” when signing documents. She volunteered to be present for my final signing of documents which I soooo appreciated. Again, I felt like I had someone in my corner looking out for me!”

Benjamin Walnut Creek, CA

“Where do I start? Wendy was responsive, knowledgeable, personable, committed, detail- oriented, professional, and the list goes on. To sum it up, Wendy wasn’t someone to just help find a loan, she was my advisor. Someone I wholeheartedly trusted to help me navigate the complex financial process of mortgage lending. She advised like my best interests were hers and she went above and beyond to deliver; even spending a Sunday to wrap up documents for us. She’s a model for others to follow.”

Leyla Pleasant Hill, CA

“Wendy is amazing! She made what could have been a very stressful experience extremely stress-free and streamlined. She’s very organized, responds very quickly, knowledgeable, experienced and has a soft touch when needing to nudge the process along. We always felt like she was looking out for our best interests and would gladly recommend her. Thank you Wendy!”

Constant Martinez CA

“Wendy was great from start to finish. When we first met, she was not pushy and happy to simply explain what she could do for us. Wendy can explain things at multiple levels of complexity, including the fine details. She was happy running all kinds of sensitivities to make sure we ended up with the right product. Escrow/closing was a breeze with Wendy always several steps ahead of the curve. I highly recommend Wendy if you close quickly and flawlessly.”

Our Mission Statement

Helping You Make Smarter Mortgage Choices!

As a team of seasoned mortgage professionals, we provide accurate mortgage options, details and costs so you can make a smart mortgage decision for your personal situation.

You will receive multiple mortgage options to consider and we take the time to review the pros and cons of each rather than tell you what to do. We will number-crunch as much as needed to help you find the sweet spot for your mortgage financing……

Loan Options

We offer a no-obligation phone consultation to help you determine the best loan option for your personal situation.

Conventional Loan

A conventional loan is a mortgage that is not backed by a government agency. Conforming conventional loans...

Jumbo Loan

A jumbo loan is typically a mortgage that exceeds the county conventional loan limits. Jumbo loans are generally offered...

FHA Loan

An FHA loan is issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA)...

VA Loan

A VA home loan is specifically for Servicemembers, Veterans and eligible surviving spouses to purchase...

Specialty Loan

There is no shortage of highly qualified buyers/borrowers who don’t fit “inside the box” of standard approval guidelines...

Schedule a complimentary consultation

We invite you to schedule a complimentary consultation to discuss your mortgage needs. Because we believe in full transparency, we will not ask to pull your credit report until you have reviewed the prepared mortgage options and you have chosen to proceed with the application.

Wendy Cutrufelli


Request a Custom Quote - Purchase

Type of property
Anticipated location :
Do you want property taxes and homeowner’s insurance included in your payment?
When do you anticipate purchasing a home?

Custom Quote - Refinance

Type of refinance
Type of property
Property Address
Do you want property taxes and homeowner’s insurance included in your payment?