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Best Loans. Best Rates. Best Terms . Start Now. Save Time & Money! Fixed & Adjustable Rate Mortgages, FHA Mortgages, Conventional, VA  Mortgages,  Jumbo Loans.

What set us apart is not what we do, but how we do it. We care enough to provide you only the BEST!


we offer FREE up-front credit approvals and fast on-time closings to make your loan as simple and easy as possible.


we offer you the best rates on cash outs, shorter loan term options, eliminate mortgage insurance, consolidate debts, and more. Why pay more?


we are passionate, honest and most importantly we are California Licensed Mortgage Broker.

Services We Offer


whether you are a first-time buyer, renter or are purchasing a new o second home, we have loan programs to meet


refinancing is a powerful method to take control of your financial life. A refinance home loan may allow you

Down Payment Assistance

we offer them! down payment assistance programs are provided to the mortgage ready borrower through grants

Conventional & Government Loans

we offer a variety of loan options available for Conventional/Conforming, Jumbo

Why our services?

We strive to uphold a standard of excellence in all we do.

We build trust by always making the right choice, regardless of circumstance.

We offer a variety of financing options.

We provide personalized Mortgage Rate Quotes.

We work with you one-on-one to tailor a financial solution specifically suited to meet your financing needs.

We are a California Licensed Mortgage Broker.We are here for you, every step of the way!

Home Loans

Feel Free To Contact Us

Our goal is simple, to make things happen for you!
We were founded on this principle and we’ll always be committed to it.


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Fast On-Time CLOSING to make your loan as simple and easy as possible.

J.C. & S.M. Inc. DBA Home Loans On Demand is Licensed by the California Bureau of Real Estate
License # 01520569 – NMLS # 235895

878 N. Main Street
Orange, CA. 92868