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Here is where you will find information about getting a home loan for a purchase and for refinancing an existing loan.  We will also give you helpful information about buying a home, including a mortgage payment calculator that is simple to use.  The mortgage business continues to be competitive, but with overall interest rates low, you will not find the "spread" or difference between lenders that big.  Also, please take a look at our other Real Estate pages and mortgage information pages.


Update February 26, 2015  You pronounce the name of this mortgage company "zero point loan" but it is spelled out 0 Point Loan.  0 Point Loan is an independent mortgage company based in Anaheim, California but they serve all of California. They live up to their name with zero-point loan plans available.

Right now they have a special offer for refinancing an existing home mortgage. They are offering a free appraisal, zero points and they promise to lock you in at the lowest available rate for a 15-year loan or a 30-year loan. Because loan rates can vary, you can call 0 Point Loan right now to get their current low rate. Call them at 800-562-6456 to get their guaranteed low rate.

0 Point Loan has been serving the California real estate market for almost two decades and you can call them for refinancing a loan, or for a new purchase loan. It's no mistake that they are called 0 Point Loan because their name says it all - ZERO point loans are always available. Watch our video below. Remember to call them for their lowest guaranteed rate.

0 Point Loan


Below are some basic mortgage payment calculators that every potential home buyer must use.  A calculator lets you figure out what your monthly payment will be.  Simply plug in the numbers.  No cheating, and don't be overly optimistic about taxes or interest rates either because that is how you can get yourself into trouble and face default on your mortgage or even a foreclosure.  You can ask your Realtor or sales agent about taxes, and make a call to your insurance agent for an estimate of your homeowners insurance premium.  If you live in California don't forget earthquake insurance, or flood insurance if you live in a flood area.  In certain areas there can be a premium for living in a fire zone.  And those of you living in a hurricane prone area might find you also need special insurance policies.  And while you are at it, it might be a good idea to ask your insurance agent about "extra liability insurance" because you don't want to lose your home in a lawsuit brought on by a car accident or the kids throwing a rock through a window, or because a delivery man slipped and fell while on your property.


Update July 2, 2011  Purpose Funding is a residential mortgage company that specializes in getting mortgage loans for residential buyers and they serve buyers who want a loan for buying a single home or condo as well as investors who want to buy buildings with up to four units.  Purpose Funding has years of experience and contacts with various banks and lending sources so that it can help you get a mortgage for amounts ranging from $100,000 to $2-million or more.  While Purpose Funding is headquartered in Orange County, this mortgage company does business throughout California and its professional consultants will come to your home or office to help work out the best mortgage plan for you whether your are buying your first home or refinancing an existing loan.  Because Purpose Funding has a relationship with many different lenders and banks it is able to find niche loans for special situations.  Loans that exceed the value of the property are still available, as well as loans for some buyers with low credit scores.

You've probably heard the news that it is tough to actually find a lender who is willing to make a loan despite the current low interest rate environment.  Well, that hasn't been a problem for the experts a Purpose Funding because they've been funding more than $10-million in home loans each month and they even have the ability to fund more deals.  Yes, they are refinancing existing home loans.  They specialize in residential loans for investors and their experts can work with investors to put together deals that will give them a positive cash flow on their investment properties.

Call (866) 577-FUND or (866) 577-3863 or go to for information.  California Department of Real Estate number 01864104 and NMLS number 273299.  Our TV report is below.

Below is our TV commercial for Purpose Funding.


Update January 4, 2013  Is buying your own home your new year resolution?  Platinum Mortgage Company can help you make it happen with mortgage plans for low-income and middle-income consumers and even those with credit challenges including a foreclosure or bankruptcy.  Watch our TV report below.  Mention the Best Buys TV Show for a free credit report including a free credit score report.  Most lenders and credit reporting companies will charge you for your credit score, but Platinum Mortgage Company will give it to you for free.

Platinum Mortgage Company
6 Hutton Driver, Suite 600
Santa Ana, California 92707
DRE# 01183898


Update November 1, 2012  Because of the real estate collapse, and the recession, and the continuing economic slowdown, it is estimated that 65% of potential homebuyers have some sort of credit problems.  And if you have a credit problem -- perhaps from a bankruptcy, a short-sale of your last home, or even a foreclosure -- then Plantinum Mortgage Company says it can help you get a mortgage and get back into being a homeowner.

Platinum Mortgage Company is a mortgage broker and as a broker it can shop more than fifty different mortgage money lenders to find its clients the best mortgage.  Some mortgage lenders now have special plans to help those who had a bankruptcy recently, or had a foreclosure or a short sale.  And then there are mortgage lenders that can help young college graduates who don't have several years of work experience to buy their first home.

There are also various government programs that can help you enter the housing market or return to it.  There are FHA loan programs that can help consumes with credit scores as low as 500, and there are FHA programs that allow for downpayments of as little as one-half of one percent.  There are VA loans that need no money down.  And with mortgage interest rates hovering at all-time lows these plans are especially helpful.

The experts at Platinum Mortgage Company will work with you to help you improve your credit score so that you can quality not only for a mortgage, but also get a mortgage with better terms and rates.  Platinum Mortgage Company also handles "reverse mortgages" so that those who are 62-years or older can pull money out of their homes without selling the home.  The most important thing to keep in mnd is that Platinum Mortgage Company wants to work with consumers with credit problems -- to improve their credit and help them get into the real estate market.  Our Best Buys TV Show report is below.  Call for information and ask about getting a free credit report and credit counseling help which is provided at no charge if you want to buy a home.  When you need help to buy a home and to get a mortgage, Platinum Mortgage Company can help.

Platinum Mortgage Company
6 Hutton Driver, Suite 600
Santa Ana, California 92707
DRE# 01183898

Here on our new media website "Moneyman" Alan Mendelson who is the original Best Deals TV Show reporter on KCAL9 and consumer advocate, shows you the best deals on TV, and the best buys, bargains and where savvy shoppers go to save, and how to get the most for "your money" with the best of Los Angeles, Orange County, Ventura County, Riverside County and San Bernardino County.  Our Best Buys TV Show has the best TV deals and is the only regularly scheduled weekly best deals TV show in Southern California.  We show you the best buys and best deals on TV and more deals and bargains on and and watch for our Las Vegas TV show Vegas Best Buys.  Some of the content can come from paid advertising and from our advertiser paid TV infomercial programs.  The Best Buys TV Show is a paid infomercial program which may also include news and information which is not sponsored or paid for by advertisers. has the highest ranking among competitive sites in Southern California according to the independent website ranking companies and and our Best Buys TV Show is the most watched shopping and consumer information show in Southern California.

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