Sunday, May 24, 2020

Realloans Information


Real Estate Funding Solutions 

Welcome!!! We provide quick and affordable financial solutions for our clients for both residential and commercial properties. The best way to reach me, Rick Tobin (Broker/Owner), is by email ( or by phone: (760) 485 - 2422. Please note that three similar website domain names are associated with this blog site and owned by our same group:; and    

Here is the online mortgage link: Loan Application 

Online and paperless loan application:
After completing the online loan application link above, it will be underwritten for much faster approvals without any paper copies (W-2, tax returns, bank statements, mortgage records, etc.). Our financial partners' underwriters can obtain your records electronically within minutes in many cases. So, you can apply for a mortgage, get approved, and sign the loan documents all in the comfort of your home. We've provided the online loan application link below as well. 

Residential Loan Products

Our financing options currently available and subject to change for owner-occupied and non-owner occupied residential (one-to-four unit) properties include:

* 30-year fixed
* 15-year fixed
* FHA loans
* VA loans - No money down up to $1.5 million (purchase & cash out refi to 100% LTV)
* Hybrid loans: 3/1, 5/1, 7/1, and 10/1 (3 to 10-year fixed with interest-only payments)
* Jumbo loans up to millions of dollars
* 2nd home and non-owner occupied investment properties 
* Lower FICO credit score loans at exceptional rates (Non-QM) 
* Debt consolidation loans (pay off credit cards, student loans, auto loans, etc.) 
* Stated income loans (qualify off of bank deposits and P&L statements)
* Cash out loans up to very high LTV (loan-to-value) ratios with or without income verification
* Very flexible DTI (debt-to-income) ratio allowances up to 60%
* Reverse Mortgages (a mortgage and insurance hybrid with no monthly payments) 
* Credit lines (owner-occupied, 2nd homes, and rental properties)

Our Solid Financial Partners 

My main financial partners for residential (one-to-four unit) mortgage loans include the largest wholesale (loans through brokers) and retail (loans direct to consumers) mortgage lenders in America who funded over $300 billion dollars in mortgage loans combined in 2019 alone. If my experienced team can't quickly approve and fund your loan request, then it probably can't be funded.

Not only do we offer incredibly competitive and low rates, the typical closing time averaged just 15 days as of the second quarter of 2020. 

You will not find better rates, lower fees, or quicker closing options than what my team of associates offers to our clients and real estate licensees. Once you get a price quote and time estimate to close from us, please go compare with any other mortgage lender.

To learn more about the incredible benefits associated with 2nd home, investment property, VA, and FHA mortgage loans, please read my June, July, and August 2020 articles that were recently published which include:
How FHA Benefits Buyers, Sellers, and Brokers
Vacation Rental Investment Opportunities

VA and FHA Mortgages & The Housing Boom (Part I) 
 VA and FHA Mortgages & The Housing Boom (Part II) 

Attention Real Estate Licensees: 
We offer mortgage loan flyer creations for your listed properties in certain regions. To learn more details, please send me your listing terms and we'll create a professional flyer that lists one or more potential mortgage loan options for your specific property listing that may help you sell your listings faster.

About Me

I, Rick Tobin, have an experienced and diversified background in both the real estate and mortgage fields for the past 25+ years. I've held eight (8) different real estate, securities, and mortgage brokerage licenses to date. I'm a proud member of NAMB (National Association of Mortgage Brokers -, an organization that is described as being "the voice of the mortgage industry representing the interests of mortgage professionals and homebuyers since 1973." 
I've created real estate courses, college textbooks, and other written content over the years for several of the best-known real estate schools, national publishers, crowdfunding firms, and investment groups in the U.S. I'm also a graduate of the University of Southern California (USC). 
You can reach me (Rick Tobin) directly by email at for more details, or please feel free to call or text me at (760) 485 - 2422. Please leave me a voicemail or send a detailed email or text message in regard to your needs and interests. I will get back to you either almost immediately or within the same day. Thank you for taking the time to visit our website. 

Rick Tobin Realloans
32391 Windemere Drive  Lake Elsinore, CA 92532 CA. DRE #00964253 NMLS #1883108 and #1934868 Email:  (760) 485 - 2422