Welcome

  • Welcome To Our Web Site. We Will Help You With ...

  • Purchasing A New Home...

  • Get You Out Of Your High Fixed Rate...

  • An FHA or VA Loan...

  • Whatever your funding needs. We can help. Get Started. Apply Online Today...

Free Consultation

Complete this 30 second form to receive a no obligation consulation. We will analyze your situation and determine the best solution.

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Welcome To HBC Financial

At HBC Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!

Purchase

We work conforming and non-conforming real estate loans.

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Refinance

We can help you lock in a long term fixed rate and get out of your ARM.

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Latest News

Spanish banks face tough rivalry in small companies bet

The logo of Spanish bank Santander is seen outside a building in MadridBy Sarah White and Jesús Aguado MADRID (Reuters) - Across Spain, the message is hard to miss in office windows showcasing offers: banks want to lend to small companies again. After gorging on property lending in the run-up to a financial crisis, banks are looking to revive high-margin loans to businesses as the economy emerges from a prolonged slump and bond-trading income slumps. A fight to win over clients will likely squeeze the margins many hope to make from lending to small and medium-sized enterprises (SMEs), which are typically charged higher interest rates than larger, less risky businesses. "The big challenge will be that banks will be competing for the best SMEs, but we need to see lending to the rest of the economy in order for the banks to increase their recurrent revenues," said Rui Croca, analyst for European banks at ratings agency DBRS.


Today's Rates*

TermRateAPR
30 Yr Fxd4.375%4.61%
15 Yr Fxd3.375%3.796%
5 Yr ARM2.875%3.038%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Deciding which loan is right, can be a difficult decision. We're here to help.

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Testimonials

What People Are Saying

"I was worried that I wouldn't be able to qualify for a loan. I spoke with Juline and they told me to apply on their site. The next day they not only qualified me but had me locked into a great rate."

Larry BensonCalabasas

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