Your Dream Home Starts Here

Afford more than you imagined. 1% down on mortgages up to $679,650



1% Down loans, FHA, VA Conv, Easy Purchase

Pre-Qualification & No Upfront Fees

Low Fixed & Adj Rates, Fast Close in 10 days

No Obligation, Hassle Free Qualifying

6 Key Steps to Buying Your Dream Home!

Your trusted Advisor can walk you through THE 6 KEY STEPS to home ownership, if you’re currently looking to buy a home,

don’t wait to talk to an Advisor about meeting your goals.

3 Starting Steps to Home Ownership

  • Make a Decision to Buy – The only way to realize your dream is by taking the 1st step.
  • Get Pre-Qualified – We choose the right loan and provide a prequalification letter in minutes.
  • Talk to a Realtor – If you don’t have a realtor, we can help find a local agent to begin searching for your new home.

3 Closing Steps to Home Ownership

  • Lock a Low Rate – Your loan advisor will help shop the best rate for your scenario.
  • Submit All Conditions – Provide most recent W2’s, Paystubs and Bank Information for loan approval.
  • Doc Signing  – You are clear to close. We schedule a notary to sign the final loan documents.

Let us shop the Best Rates for your Purchase or Refinance

Top Partners, Amazing Rates, Great Service. Ask an Advisor about the best program for you!


  • 1% DOWN CONVENTIONAL LOAN – You put down 1% Lenders give you 2% for a total of 3% equity at close.
  • FHA 3.5% DOWN – A great way to buy a new home with low downpayment and minimal credit score.
  • VA LOANS 0% DOWN – A great way to purchase a home with 0% down! Exclusive to active military and retired borrowers
  • SELF EMPLOYED – for borrowers with minimal employment documentation. Based on bank statements or eligible assets.
  • INVESTOR SPECIALS – For experienced investors who are purchasing or refinancing investment properties to be held for business purposes.
  • CONVENTIONAL FIXED RATE LOANS – These loans require 20% down in most cases. Fixed Rate terms vary from 10 to 30 years.
  • JUMBO LOANS – For loan amounts that exceed Fannie Mae and Freddie Mac’s conforming limits of $424,100 (high balance), or $637,150 in some high cost areas. Loan programs up to $15 Million.

Next Potential Rate Increase - Fed Meeting 12/13/2017








Buy More Home With Less Money Down

Down payments as low as 1% – 5% on Conventional, FHA or VA home loans. You don’t have to defer your dream of homeownership. Ask an Advisor today!


See What Our Clients Have To Say About Us

“Client testimonials are key motivators for great service” – N. Ausar


“I would recommend The Mortgage Advisory to anyone!  The EXPERTISE of Ace Ausar is remarkable. He was professional on every level.  He kept me informed in very step of the process. He was always available if I had questions, as well as keeping an upbeat and friendly demeanor. I want to Thank Ace for a expedite Job well done. You’re in the right business!”

  -M. Smith, Redondo Beach CA



“I would like to thank Ace for the hard work and dedication. He kept us in the loop step by step making sure we understood what was going on with our loan. He’s fast and honest and I can’t thank Ace enough for what he did for my family. I can’t wait for our next deal. ” Thanks Ace!    

-T. Evans, Highland CA


“I was lost. I hear so many horror stories about people refinancing their homes. I reluctantly called  The Mortgage Advisory, and spoke with ace.   He absolutely  reassured me everything would be exactly as he presented on paper.  Guess what? this man did exactly what he said he would do. No hidden fees, no surprises.  I have no problem with telling everybody I know what a great job you did for me and my family. Thanks for being honest! “   

-Jamal S. Lancaster CA


“It was a pleasure working with Ase he was extremely helpful in every step of the way. He was always available to answer any questions. Me and my husband was able to purchase our home in 30 days and he even helped us get our offer excepted and negotiated seller assistance with our closing cost. Thanks Ace”

  -J Gonzalez. Rancho Santa Margarita CA


“We couldn’t be more happy with the quality of work that we received from The Mortgage Advisory in making our refinance so smooth! Would totally recommend these guys!! Thank you so much!!”  

 -T.L. Oxnard CA


“The Mortgage advisory did a excellent job securing my VA loan, I would recommend The Mortgage Advisory too all my friends. Ace Ausar my loan officer is very knowledgeable and did a really wonderful job, I really appreciate everything he did for me. Thanks,”   

-F Dumas. Menifee CA