Welcome to Covenant Mortgage and Realty!

Our priority is to serve all of Southern California and beyond with integrity.  We treat every client like we would want to be treated and at Covenant Mortgage we believe that you can have everything in life that you want if you help enough other people get what they want.

We have been providing competitive Low-Cost & No-Cost loans in south Orange County for over 10 years now. 

Our team of professional mortgage consultants handle all forms of conventional and government home loans for your refinance or purchase needs.
  • Refinance:  We provide very competitive rates & loan programs if you have equity or NO equity, if you have excellent credit, or low credit.
  • Harp 2.0: We fund loans if you have NO equity in your home with the new Fannie Mae & Freddie Mac Home Affordable Refinance Programs.  If you are upside down or under water on your mortgage we can help save you hundreds of dollars per month on your monthly payment.
  • Purchase: We know how important timing is on a purchase in our current real estate climate of short-sales, foreclosures, and REOs.  We can have your purchase loan Approved in just a couple of days to secure your new home purchase.
  • FHA/VA: If you have low credit and a low down payment, an FHA loan may be an excellent purchase loan for you to consider.
  • Conventional Purchase: We offer conventional purchase loans with only 3% down payment and we also provide lender-paid mortgage insurance (PMI) product where you have NO monthly MI. 
  • Reverse Mortgages: We prefer to call these Equity Redemption Loans.  These Equity loans are an excellent retirement loan where "dead equity" can be enjoyed for retirement and for retirement income.  If you are 62 years or older and you have 30-40% equity in your home you will receive NO MORTGAGE PAYMENT FOR THE REST OF YOUR LIFE + enjoy some of your equity now (cash) that was formerly considered "dead equity," when you received no rate of return (ROI).   
  • Personal Service: If desired we will consult with you directly at your home or office to provide a full evaluation of your loan scenario and offer the best options that comport (maximize savings) with your families present and future goals.  We especially like to get to you know you and let you get to know us on a personal level.  We have noticed that when our clients meet us they can best assess just how important our values and principles are.
  • Values/Integrity: Covenant Mortgage lives by the golden rule that we should treat others as we would like to be treated and we believe that while it's important to answer and comply with state and federal rules & regulations, we answer to an even higher law that governs all our actions and attitudes. It is our Covenant.
     
We look forward to serving you and your family soon, please consider us for your next purchase loan or refinance.

Call us today!

                                           

 

 
Find the solution that fits your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

 

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

 

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.

 
 

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