Harp Financial Company Profile

We started in the California real estate industry in 1984. We have thousands of satisfied clients and have processed hundreds of millions of dollars top quality closed loans. You get to work with someone who will be blunt, honest and upfront. You can be confident that the loan you are requesting is the loan you get.

No games. California Department of Real Estate, Real Estate Broker.

California Real Estate Broker License

No money required to start the process.

Harp Financial fronts the money to the appraiser on your behalf. We absorb your credit report and other fees required to process your loan and subtract these type of expenses from our one percent profit. We don't charge any junk fees. You pay for the appraisal only through escrow the day it closes.

If your loan doesn't close...you don't pay for anything.

You get all incentives, rebates, and extra fees for any amount above our flat one percent. The bank pays us our fee. The points you see on each rate sheet are the total that you will pay or get back as a rebate. Bottom line you get a great price and a guarantee that if you don't close you are not charged.

Penny wise, pound foolish

Cheaper isn't always better. If you found yourself needing surgery would you get the cheapest doctor you could find, or would you hire the best one you could afford? The same principle should apply when it comes to your home mortgage. You certainly don't want to pay more than is reasonable, but neither should you accept an inferior loan program solely for the sake of price.

A recent quote by Alan Greenspan, sums up our business philosophy:

"Material success is possible in this world, and far more satisfying, when it comes without exploiting others," Greenspan said. "The true measure of a career is to be able to be content, even proud, that you succeeded through your own endeavors without leaving a trail of casualties in your wake."

"...remember that, even in a business world tainted by corporate scandal, the nice guy doesn't always finish last." By: Alan Greenspan, Speaking at graduation ceremonies at the University of Pennsylvania's Wharton School - May 2005.

Upfront Mortgage Broker

Harp Financial was at one time a founding member of a very small group of honest mortgage brokers called The Upfront Mortgage Brokers. We dropped our membership in Oct 2007 in UMBA, when we realized that without the Mortgage Professors guidance, the group was no longer providing consumer education. You can still research the details if you are interested at www.mtgprofessor.com