Mortgages So Smooth, They're Practically Butter.
Let’s spread some joy on your home-buying toast.
Too Many Hidden Costs?
Closing costs, origination fees, confusing charges? Feel like you're learning a new language?
Let’s make it all crystal clear.
Every Step Feel Like a Mystery?
You deserve transparency. I’ll break down every step so you’re never in the dark, and always know what's coming next.
Feeling Like No One’s on Your Side?
Communication shouldn’t be this hard. You deserve a partner, not just a lender. Let’s work together to make this happen.
We Have Exactly What You Need
The perfect solution:
Transparency Every Step of the Way.
Mortgage paperwork doesn’t have to feel like solving a riddle wrapped in a mystery. With us, you’ll know exactly what’s happening at every stage. From pre-approval to closing day, we provide clear timelines, explain every term, and keep you informed so there are no surprises
Another reason its great:
Saving You from Hidden Costs.
Ever feel like fees pop up out of nowhere? We take pride in laying everything out upfront—no sneaky charges, no gimmicks. What you see is what you pay, so you can focus on moving into your new home instead of worrying about unexpected bills.
How it’ll transform your life:
We Advocate for You.
In a world where lenders sometimes treat you like just another application, we’re here to be your advocate. Your goals, budget, and timeline are our priority. Think of us as your mortgage partner, not just another lender.
Our Customers Really Love Us
Yes, these are real reviews from real people (not like the funny hero photo at the top)
Read the full reviews or check out even more on my Zillow page.
Super Loan Officer, and a great guy!⭐️⭐️⭐️⭐️⭐️
"Chad is straight forward and speaks the truth while guiding you every step of the way so that you always know what is coming next without any surprises."
- Kimberly T. from Oceanside, CA
Chad is an awesome communicator!⭐️⭐️⭐️⭐️⭐️
"He’s very approachable and has a way of communicating that informs you without making you feel small... I felt that he always had my best interest at heart."
- galastruthers from Mission Viejo, CA
HIGHLY RECOMMEND!!⭐️⭐️⭐️⭐️⭐️
"There were times that I even forgot that I was going through the process because I knew that Chad was on it, so I didn’t have to worry about a thing."
- SKim from Tustin, CA
Chad is the Best!⭐️⭐️⭐️⭐️⭐️
"This refi was the easiest we have ever done in our 45 years... Chad has handled refis on 2 of our properties and a mortgage for a new home..."
- Debby from Lake Forest, CA
Chad is my dude!⭐️⭐️⭐️⭐️⭐️
"Every single step of the way, Chad was ahead of the game, gave us the right information, and stayed in communication with us. Absolutely the best! He made the whole thing very bearable. And now we're homeowners!"
- ezra bermudez from Hesperia, CA
5 Star Service and Experience all the way! ⭐️⭐️⭐️⭐️⭐️
"Chad cares! He took the time to explain scenarios, weigh options, and help do what was best for me. I would definitely recommend his services!"
- Krissy Adamczyk from Lake Forest, CA
The Solution You’ve Been Searching For
The home-buying process doesn’t have to feel like navigating a maze in the dark. You deserve a partner who’s as committed to your success as you are. That’s where I come in.
From understanding your goals to securing the financing you need, I’m here to take the guesswork out of mortgages and make the process seamless:
- Clear Communication: No jargon, no confusion—just straightforward answers to every question you have.
- Step-by-Step Guidance: Whether it’s your first mortgage or your fifth, I’ll walk you through every stage so you always know what’s next.
- Customized Solutions: Your financial situation is unique, and your mortgage should be, too. Together, we’ll find the best options for you.
- Support You Can Trust: This isn’t just a transaction; it’s a relationship. I’m here to advocate for your needs and make sure you feel supported every step of the way.
Buying a home is one of life’s biggest milestones—let’s make it one of the most rewarding, too.
Here’s how it works:
Connect & Understand Your Goals
We’ll start with a simple conversation to understand your needs, financial situation, and goals. Whether you’re a first-time buyer or refinancing, we tailor the process just for you.
Get Approved with Confidence
I’ll guide you through the process for getting an approval*, ensuring your paperwork is in order and you know exactly how much you can afford. This gives you the confidence to move forward.
Close Smoothly & Celebrate
From application to approval, I’ll handle the details and keep you informed every step of the way. Before you know it, your loan will be finalized, and you’ll be ready to enjoy your new chapter.
Wait, what about the rates?
Here's the truth about the interest rates and working with brokers:
✅ Comparison Between Lenders or Brokers:
Almost every lender or broker can offer you the same 'rates' according to your own scenario. The real key is finding an experienced mortgage broker and loan officer that share similar values and objectives as you do.
✅ Guidance on When to Lock Your Rate:
Timing matters, and I’ll help you decide the best moment to lock in your rate, minimizing your stress and giving you peace of mind as you move forward. You are in-charge; I am just here to help guide you through the process.
✅ Transparent and Competitive Rates:
We’re committed to finding you the most competitive rates available. Whether rates are climbing or steady, you’ll know exactly what to expect at every step.
✅ Personalized Solutions for Your Budget:
Every borrower’s situation is unique. I’ll work with you to create a mortgage solution that balances your financial goals and ensures monthly payments stay within your comfort zone.
✅ Clear Answers to Your Questions:
Concerned about how rates might change? I’ll explain everything in simple terms so you can make confident decisions.
Still have Questions? Here's some FAQs:
What types of mortgage loans are available, and which is best for me?
We have experience in all kinds of mortgage loans and can offer Conventional, FHA, VA, USDA, Reverse, and Commercial, as well as Hard-Money and Private Equity. Once we discuss your scenario and needs, we then be able to make suggestions as to what options are available for you.
What are the closing costs, and are there any upfront or nonrefundable fees?
The closing costs can vary depending on the situation such as purchase or refinance, A+ credit or Hard-Money, Single Family or Condo, Escrow & Title charges, Property taxes, etc. We will gather everything for you and present it so that you can clearly understand where all closing costs are coming from and why. Up-Front and/or nonrefundable fees would include your initial credit report, and upon proceeding would also include your initial appraisal inspection if needed. We will also help you know what these fees are going to be for your specific loan situation.
What credit score do I need to qualify for a mortgage?
Your credit score is a valuable part of the equation in order to get a loan however, you might be surprised at what's available to you. We currently offer mortgage loan products with as low as a 500 credit score (*subject to change at any time with the lenders). Of course, you must fully qualify in other ways, but it's often not as high of a score as many people think is required. Let's talk and figure out your exact situation.
How long does the mortgage loan process take?
This depends on whether you are purchasing a home or refinancing, and what type of loan it is. We can close loans in as little as 15 days for most standard loans, but a good estimate to expect overall is 30 days. We'll let you know what to expect right at the beginning, depending on your type of application.
Have more questions?
We would be happy to answer them. Feel free to reach out to us and we'll go over whatever you'd like to about your mortgage options.
Ready to Get Started?
Here are three Great Options to Get Things Rolling:
Reach Out and Contact Me
Want to talk about it now? Click the link below for my information.
Start Your Application
Ready to get started now? Click the link to our application page to start.
©2025 All Rights Reserved • Privacy Policy • Omni-Fund, Inc. NMLS# 4869 CADRE# 01430833 • 26395 Jefferson Ave, #E, Murrieta, CA. 92562
Chad Matthew Goette NMLS# 1265712 CADRE# 01996274 • NMLS Consumer Access Link