I'll introduce myself and highlight important areas on this site.  My name is Minerva Mendoza and I am a Senior Mortgage Specializing in home loan refinance and purchases. I have been in business for 6 years proudly servicing the State of California. I began my career to focus on the need of clients after I  witnessed first hand how unethical many people are in this business. After seeing the hardship many of my close friends and family faced after dealing with dishonest  lenders, I made the focus of my business to help clients get out of bad situations with their finances and put them on their right track to becoming debt free. I am in the business of helping people improve their credit, lower their monthly payments, understand how credits works, and get into loans that are right for their individual situations. I would love the opportunity  to meet you and provide you with a no cost, no obligation loan analysis to see if our programs are right for you. Or if you are happy with your situation but you know of someone who may be able to benefit from my service, do not hesitate to have them give me a call.