Business Details
13 Years
experience
Your Trusted Mortgage Partner in Westlake Village
Mtgmaker.com has been dedicated to simplifying the home buying and refinancing process for over two decades. Our team of experienced professionals specializes in private real estate lending, offering tailored mortgage solutions that align with each client's unique financial goals. We pride ourselves on award-winning service, leveraging our deep understanding of loan programs including conforming, jumbo, FHA, and VA loans to ensure clients find optimal financing. As part of the ADT team, we integrate smart home security solutions into our mortgage services, providing comprehensive support for modern homeownership needs. Our commitment to transparency is evident in our approach to financing options, which are presented for comparison purposes with clear explanations of qualification requirements.With DRE License #01259412 and NMLS #333242 credentials, we maintain strict compliance with industry standards while prioritizing client education throughout the mortgage journey. Our Westlake Village, California-based operation serves clients across California, combining local market expertise with national lending capabilities. By handling complex lending processes, we enable clients to focus on achieving their homeownership dreams with confidence and peace of mind.
Services
Purchase or Refinance Loans
FHA Loans
VA Loans
Home Equity Line of Credit
Conforming and Jumbo Loans
Details
- Year established: 2013
Highlights and features
- We offer 20+ years of private real estate lending experience
- Our team provides award-winning mortgage brokerage services
- We integrate ADT smart home security solutions with mortgage services
- We maintain DRE License #01259412 and NMLS #333242 credentials
- We specialize in California market-specific mortgage programs
Services
Purchase or Refinance Loans
We provide comprehensive purchase and refinance loan solutions tailored to California's real estate market. Our experienced team guides clients through conventional and government-backed loan options, ensuring optimal financing structures for primary residences, investment properties, and second homes. With expertise in underwriting requirements and local market nuances, we streamline the loan process while maintaining strict compliance standards.
FHA Loans
Our FHA loan program specialists help first-time homebuyers and those with limited credit histories access affordable financing. We explain FHA's lower down payment requirements, work with clients to meet minimum credit score thresholds, and provide clear guidance on mortgage insurance premiums. This program remains a popular choice for qualifying California homebuyers.
VA Loans
We offer specialized VA loan services for eligible military personnel, veterans, and surviving spouses. Our team explains service-specific benefits like zero down payment options, competitive rates, and streamlined refinancing programs. We maintain current knowledge of VA loan limits and occupancy requirements to serve our veteran clients effectively.
Home Equity Line of Credit
Our HELOC specialists help homeowners access their property's equity for renovations, debt consolidation, or investment opportunities. We explain variable rate structures, draw periods, and repayment terms while ensuring clients understand the risks associated with home equity borrowing in California's market conditions.
Conforming and Jumbo Loans
We provide conforming loans meeting Fannie Mae and Freddie Mac guidelines alongside jumbo loans for high-value properties. Our experts explain loan limit differences by California county, help clients understand down payment requirements, and offer tailored advice for those purchasing luxury homes or investment properties exceeding standard conforming limits.
People
Rick Plutchak
Real Estate Entrepreneur
With over 20 years in private real estate lending, Rick specializes in matching clients with optimal mortgage solutions. His expertise spans conventional and government-backed loan programs, focusing on personalized service and client education throughout the mortgage process.
Questions
What mortgage loan types do you offer?
We offer conforming, jumbo, FHA, VA loans and home equity lines of credit tailored to California homebuyers' needs.
How does the mortgage application process work?
Our streamlined process begins with pre-qualification, followed by document submission, loan processing, and final approval.
Can I get a mortgage with less-than-perfect credit?
Yes, we work with clients to improve credit profiles and offer loan programs accommodating various credit situations.
What are current mortgage rates?
Rates change daily; we provide real-time rate updates and lock-in options to protect against market fluctuations.
Do you offer refinancing options?
Yes, we specialize in cash-out refinancing, rate-and-term refinancing, and streamline refinance programs for California homeowners.
