Hottest Five: reasons the public and real estate agents Love us!

1. Down Payment Assistance: Many Realtors and lenders don't want the hassle of educating themselves and their clients about down payment assistance programs. That is our specialty. We aren't saving clients a buck or two on long distance or even $400-500/year on car insurance but rather hundreds of thousands of dollars in some cases at close of escrow. Would you warn your friends or family if you knew a thief were planning to deprive them of "hundreds of thousands" of dollars. If the answer is yes then read the rest of this site and tell everyone you love today!

2. Mortgage Credit Certificates: There are many lender commercials yet few advertise this program that saves homeowners hundreds per month. These can usually be combined with other down payment programs. Would you like to guarantee that you get the absolute best loan in America the next time you or someone you love buys or refinances a home? If the answer is yes, then keep reading and tell every one you love about this site.

These are for buyers who haven't owned in the last three years yet have higher income limits than many of the down payment assistance programs. Leaders and voters alike understand that home ownership is good and they have provided incentives to assist home ownership yet they go largely unnoticed by the masses.

3. Financial Planning: Do you suffer from lack of a Vision?

• WHY--A study of 1979 Harvard MBA grads showed that the 3% who had written goals, plans and read them daily earned 10 times more income than the other 97% 10 years later. In addition, The 13% of Harvard grads with mental goals and plans only at the time were earning twice as much as the 84% of grads who didn't have goals at all ten years later. Are you willing to work with people who will help you map and plan your financial future? Will you trust a company who won't.
• Receive expert advice and coaching
• Receive help with your written goals and plans.

4. Home buyers with a disabled family member can receive:

• 4% simple interest, 30-year fixed-rate loan
• Up to 103% financing
• This program can be used with other down payment assistance programs

5. Hidden programs: We find and implement them for you!

• Receive an income, cash or a down payment from equity in a purchase
• Sell or buy homes with less hassle using a lease option

These programs aren't top secret but one might get that impression due to their suppression. Not with us! Our mission is to offer our clients the absolute best solution. Every time!

Do you know someone who might lose big if they don't speak with us first?

Thor Mortz – Owner Mortz & Associates--We are committed to positively impacting our clients, community and profession in a major way!

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Help for Home Buyers and Home Sellers

• Most neighborhoods and cities throughout California receive vast resources to help people to purchase homes? This money could be helping you. We know California programs.
• We do the research so that you don't have to.
• We are experts at helping buyers obtain all kinds of special assistance when purchasing homes, which also benefits sellers. "I am committed to providing the best values to our clients". Thor Mortz/Owner Mortz & Associates