California lenders, customer care and options

Money Mart in Long Beach, CA
When you decide to buy a home or refinance a mortgage, it is a big step. You can trust us to find the loan program that best suits your particular financial situation.

Buying a new home is a source of anxiety, frustration and a huge sense of accomplishment. You did not select the house that was best for anyone; you picked the home that is right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. With less paperwork and more personal attention means you enter a stress-free zone from application to decision. Obtaining the right mortgage loan is like receiving the keys to your new house! We can help you get there.
Money Mart California
Refinancing your current mortgage has never been easier. If you thought refinancing meant processing mounds of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance quicker for comparable monthly payment. Let our professionals guide you to the very best refinanced loan!

Our mortgage professionals give you the personal attention and respect we feel our customers deserve. We understand you are making a commitment in buying a new home, refinancing and mortgage or cashing out your home equity, so we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anybody else!

Your Money Mart in Long Beach, Where Service an Rate Matters!

Cash One in Modesto, CA
We will custom tailor a mortgage to fit your needs. Get pre-approved first before you shop for a home and know that you can afford the home that you fall in love with, before you fall in love. Let our Home Loan Experts identify the best option for your situation or custom-tailor a mortgage, specifically for your financial needs.
Cash One in California
We offer low, low rates and we compete with anybody. If you do not have any money to put down, it is not a problem because we offer zero down programs. With various home purchase options, you can obtain a very low payment with interest only loans, get a lower fixed rate for three or five years, no documentation loan, no proof of income and for first time home buyers, we offer a zero down payment option.

Consolidate your debt to reduce your monthly expenses with a locked fixed-rate mortgage with a low rate to lower your monthly payments. Lower your term to a fifteen (15) year loan to save interest; you would be amazed that the payments are affordable. Switch to an interest only loan or a loan with a shorter fixed term and save hundreds per month.

Imperfect Credit Programs

An imperfect credit program is really just a lender who is willing to issue loans to people with a poor credit score and/or a history of bad credit or a bankruptcy in their backgrounds. Banks and brokers who issued all those “subprime” loans that are making headlines these days are examples of people in the loan business who have imperfect credit programs. Perhaps its unfair speculation, but it may be possible that all these defaults on subprime loans are more the responsibility of the lender than the borrower. The professionals that issued these loans knew exactly what they were doing. They were aware that people with a history of financial difficulties are not good candidates for mortgages that effectively put them in over their heads.

So let’s define an ‘imperfect credit program’ as one that balances the financial capacity of the borrower with the loans, the rates, and the loan costs that are available. An effective imperfect credit program should be one that helps keep the borrower right side up on the loan instead of putting him/her in a position that will be untenable once the ARM they’ve taken on adjusts.

Loan companies that make their marketing theme “bad credit OK” probably aren’t the best choice when you’re shopping for a loan. These are companies that find high risk acceptable; that means that they are willing to accept a certain level of default and are going to charge a premium price for a loan because that’s their goal – sell the loan regardless of the client’s worthiness or ability to pay over the long term.

Loans issued under bad credit programs can also tend to have some unsavory clauses tucked into the fine print. You may find a substantial penalty for prepayment. If you take out a mortgage at 11% and five years later you’ve improved your credit rating to the point that you qualify for a better deal, it should not cost you thousands to retire your original mortgage. A quality “bad credit program” should not make prepayment penalties mandatory.

People with good credit are just as susceptible to borrowing over their heads as people with bad credit. However people with good credit are more likely to be able to refinance out of an overextended financial situation than people with a mixed credit history. So a good “bad credit program” should provide advice to the potential borrower on the impact of the loan that he/she is seeking. Can you manage the monthly payments once the ARM adjusts? Are you planning to refinance out of this loan at some point? These and similar issues should be addressed in a bad credit program.

Loan brokers and bank officers who see potential problems for the consumer should spell them out and keep the discussion firmly rooted in reality. Find a loan provider who will tell you what he/she thinks your limits are.

Money for funny

There are times when you do not have cash on hand. You do not want to add to your credit cards and be paying for this small amount for months or years. Borrowing from a relative is looking for trouble. Therefore, you get quick cash loans from direct lenders £££. You probably will not be able to get one from your boss, if you do, pay it back as quickly as possible. It will be for only a small amount and could be taken out of your next two checks.

Another possibility is a payday loan for the small amount you need immediately. The interest is high, but you will be paying back this amount, of probably no more than £500-700, back to the lender in about two weeks. You needed the money for a gift for your child. You did not want to disappoint your child. Maybe your car broke down and you would rather pay cash than have it piled onto your credit card. To go without your car could make you late for work and it is possible that in these times you would be terminated. The cash advance loan for your car is a necessity.

Never get a cash for something you do not need. Certainly not for eating out in a fancy restaurant. Paying your utility bills is a necessity, a new HD television can wait until you have built up some cash reserves. You do not want to be late paying your credit card bill, because your rates will go up and you might have the card canceled.

A cash loan is something you take for emergencies and for relatively small amounts of cash. It is easily transferable to your checking account and can be done almost instantaneously. You must be disciplined to pay the quick cash advance back as soon as you can, even if other sacrifices must be made. You do not want to incur added penalties and make an already high interest rate higher. Like in all things financial, discipline is an integral part of dealing with money. You cannot spend (credit report) what you do not have, only the government can do that.

Hi, me again

Food for thought. If that debt wasn’t on your credit report in 2016 and isn’t now, then it is well past sol in all states, according to this map

Because it takes a minimum of 7 years for a debt to fall off a credit report, so if it wasn’t on the 2016 report and not on there now if it ever existed it is a minimum of 11 years old.

Most companies are not going to sue for such a small amount on such an old debt. I would definitely not pay them without rock solid proof.

Stunned the 3 stooges today

Instead of mailing the payoff on dh’s medical to them and letting them claim they lost it or something similar I hand delivered it and politely asked for a paid in full receipt. The fourth stooge (you know Shep) looked stunned and said she wasn’t certain how to do that. HUH? Then she realized she actually had a receipt book that she could hand write one out with. Cheez! Anyway, we are officially paid off with them, I have the receipt, and soon the canceled check to prove it. If they can’t get it where it belongs that is their problem.
Oh and btw, the doctor still hasn’t called dh with his biopsy results now over a month after it was done. Thank goodness for the online site where we could check them ourselves and get the results 3 short days after the biopsy. Did I mention I have yet to be impressed with this doctor and his business office?


a) Maybe he has come to his senses, and decided not to order the stuff for personal consumption;

b) Maybe he doesn’t have any cash, or credit, to purchase the stuff;

c) He might be in one of the “Amway motivational organizations” that left Quixstar, and is looking for another racket to get involved in;

The worst discrimination I’ve ever encountered, was when I was applied for a government job. (The only reason I didn’t file a winnable lawsuit against that government agency, was due to having insufficient money to pay court costs. (Winnable, because the letter they gave me stated that they would not consider me for “reason x”, and “reason x” is an EEOC protected class.))

My son has NOT gotten a Quixtar order

since around the end of June or beginning of July, yet he has still been attending his weekly meeting and attended the conference in NC this weekend. He still seems to go out recruiting, but has less time to do so since he is has gone from working two nights to four nights a week at his part-time job. He also has a full time job so it’s not that he doesn’t have money to order stuff. It just seems so strange to me because he usually orders cases and cases of the energy drinks, vitamin water, etc. every month and I know he is completely out. What’s up with this?
Also, it’s going on four years since he got involved with Quixtar. His Dad and I are considering having a talk with him as to his income verses expences over those four years and discussing how a good business plan has a time line. We want to encourge him to look into a goverment job that will pay well, have good benefits, and can retire from after 25 years (at any age).
Any feedback and or sugggestions?

Carrie, is this true?

Are you the same Carrie Zimmerman as the one in that blog?

If so, why weren’t you totally up front with us?

I notice you say you continue because of the freedom you’re looking forward to. Have you actually seen freedom come your way, or just a lot of work? I’m asking because my business has given me freedom.
While I worked day and night for years, I don’t think I’ve worked more than 15 hours since the start of August and the income is still there.

But I’m not in an MLM. I used my knowledge to figure out how to do it on my own.