e-Foreclosure Loans is a friendly, knowledgeable, California mortgage lender who is able to meet all your financial needs when it comes to buying or refinancing your home, or saving it if you're threatened with foreclosure. Our business is lending you money for all your mortgage-related needs. The only thing we consider is your home's value, based on its appraisal or equity, not your personal credit history. Because of that, we're able to help you out when other lenders may have turned you down. Bad credit or no credit is no problem with us!

If you have bad credit, if you've received a Notice of Default (NOD), are facing a foreclosure, or have made some late payments, we can still help you. We know you're not defined by your FICA credit score, and we'll work with you no matter what your credit history says when it comes to refinancing your home. If your problems come from a first mortgage that trapped you with a low teaser rate that's now exploded, we can refinance it so you get a payment you can live with. Refinancing your home with us can lower your monthly payments, giving you more money for other uses, or even saving your home.

We specialize in hard money lending, and the value of your property is all we look at. Refinancing your mortgage with us is easy, since the only thing we base our mortgage loans on is your property's value and your stated information. We're happy to lend to both A-Paper and B-Paper borrowers who want to refinance.

We can get you a stable, fixed-rate mortgage in place of your current adjustable rate mortgage or variable rate mortgage, which can save you stress and worry for years to come. If you're happy with your first mortgage, but need some additional money, we're experts at a variety of refinancing options. We also provide second mortgages and home equity loans. The equity you've built in your home is what we base our lending decision on, and you can enjoy more money now.

We also offer great rates, both fixed and variable, on first mortgages, so if you're looking to finally buy that home you've dreamed of you'll be happy with our variety of financing options. We want you to own that home, and we'll make sure that you can move in as fast as possible.

We're aware of the current sub-prime meltdown that's affecting other lenders, and we know it's harder to get credit now and many borrowers are facing foreclosure. Our commitment to helping you refinance your mortgage is unchanged, and we continue to delight those who are having trouble finding a mortgage lender or may be losing their homes. We offer both regular and negative amortization loans, and our loan officers are always available for consultation.

Please contact us today for any of your mortgage or refinancing needs, and you'll be smiling all through tomorrow!

Wherever you are in the United States, we're here to help!
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