Tobie Love, The Tobie Love Team Powered By Cross Country Mortgage

NMLS 459915 NMLS1838866 | 951-701-7421

Having a home you can truly call your own is a big step toward achieving your financial goals. I have the knowledge, experience and loan options that will get you there. I’m also flexible and creative enough to make the mortgage process faster and easier for you, even if your situation is a bit complicated.

Whether you’re buying or refinancing, I will:

  • Explain every detail of your home loan.
  • Keep things on track through every step of the process.
  • Make sure you get to the closing table as quickly as possible.

I look forward to earning your continued business and referrals with a higher level of service than any other loan officer out there!

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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?

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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.