Charles Vamadeva, Snr Loan Executive, “AKA The Loan Ninja!”

NMLS# 289913 | BRE# 01506005 | Tel 951-551-7633

I first began originating mortgage loans back in 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 a 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 this Blog from Real Estate Agents whom I work with closely. My advise to Homebuyers: “Don’t believe everything you hear. If the door of Homeownership gets slammed in your face, try to 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. Why haven’t we spoken yet?


NMLS# 1108552 | CalBRE# 02044988 | 951-319-3377

Every day, we wake up with a choice. We have an opportunity to look at our futures—whether it be in minutes or years—and dream. Some mornings, as we get caught in the midst of our own thoughts, we question “What if?” We ponder, “What if something goes wrong? What if it doesn’t work out?” And as those questions lead us down their natural paths, we often begin to shy away from the things that matter to us most.

For so many, a home is one of those things. It’s a place where we can be visionaries; it’s a safe-haven for everlasting memories and countless dreams. It’s a reason—and an opportunity—to transform those “What ifs” into good ones. “What if everything goes right? What if it all works out pretty dang close to the way we plan?”

See, that’s the thing about our lives: we can truly make them anything we want. And every day I go to work hoping to do one thing: close the gap between big financial decisions and the fear that surrounds them. Why? Because that’s what this business is for me. It’s a chance to connect and help people find enjoyment in something that sometimes seems so difficult to attain.

Being the epitome of why we do the things we do, our mission stands strong within our process. We offer our clients industry-leading mortgage rates on Jumbo, VA, USDA, FHA, Conventional and Home Equity mortgage products, and with hundreds of mortgage options available, my team and I are committed to finding the best mortgage option for you, as our client—all while making sure your experience is one that leaves you saying only one thing: “That’s how you MORTGAGE THE RIGHT WAY.”

Pre-qualify for a Home Loan or Refinance

My team of professional lenders can help you get qualified for the purchase of your new home or help you refinance your existing home. We make the home loan process easy. My team of local financing experts are ready to guide you through the home buying process or refinancing options. We are committed to fast, professional, courteous and personal service to help you understand and feel at ease throughout the process. Our trained and certified loan originators specialize in financing homes in the Southern California area real estate market.

Our goal is to find the right loan program with the lowest interest rates and the lowest fees available.