Welcome to my web site, a "frustration-free" zone where we begin to qualify you for a home loan that best suits your needs and lifestyle. 

The process will be smooth. That's because I take advantage of the very latest technology and automated tools, along with the expertise of the best support team in the industry to deliver my services.

Want to refinance a current mortgage while the rates are still very attractive? I offer several lock-in periods, so you don't have to wait to start saving on your interest rate and monthly payment.

Shopping for a home? Thinking about it? Get prequalified in advance and take advantage of a fast close of escrow. You'll have the clout of a cash buyer. You'll know how much you can afford. And, you'll be well on your way to your dream home as soon as you make the offer.

Whether you need to refinance your current mortgage or want to buy a home, I can get you there fast without losing focus. You need a quick, not sloppy, application process. I understand your concerns and am committed to deliver the best service which I trust will surpass your expectation.

As a current member of California Association of Mortgage Professionals  (CAMP) Silicon Valley Chapter, and a member of its Board of Directors, I have gained the loyalty of my clients through honest, reliable and highest level of work ethics as well as full transparency.

I have been interviewed on television programs about the recent mortgage meltdown, declining housing market in the Bay Area, Program HOPE, loan modification assistance programs, the Housing Rescue Bill of 2008, President Obama's Economic Recovery and Reinvestment Act of 2009 & The Financial Reform Bill of 2010. My interviews and comments have been published in the San Jose Mercury Newspaper and broadcasted on KCBS 740AM Bay Area Radio as well as Channel 5 CBS news.

With the current strict and rapidly changing lending guidelines, you need a professional who is well versed with the current lending rules and regulations to assist you with your lending needs.

Call me for a complimentary mortgage analysis today and Learn to Save.

I look forward to speaking with you in person.

Narbik Karamian

 Dodd-Frank Act 2010: