Welcome to our online California Mortgage  Loan Center to preview mortgage loan financing options.  When you decide to buy a home in California or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.

Buying a new home in California can be a source of anxiety and frustration, or a huge sense of accomplishment. The complexity of financing properties in major California cities including the San Francisco Bay Area, Los Angeles, and San Diego, demands that you have a professional mortgage broker that represents you.

Paul Schectman at Viva Financial has 18 years of experience in the mortgage industry and will help you find the mortgage loan that best fits your needs and qualifications.

"Less paperwork and more personal attention" means you enter a frustration-free zone from application to approval and funding. Getting the right mortgage loan is like getting the keys to your new California home! We can help you get there.

Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains 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 more quickly for comparable monthly payment. We work as your California mortgage broker to provide you with the best options for refinancing your home in California.

Tapping into your home equity may be accomplished with a HELOC (Home Equity Line of Credit).  When you have an equity line, you are giving yourself the option to access equity that has built up in your California home. HELOCS are an excellent equity management tool, and provide you with additional financial security and flexibility.

Paul Schectman is your mortgage advisor giving you the personal attention that you deserve.  He treats you with the respect due a valued customer. At Viva Financial we understand that you are making a commitment in buying a new home, refinancing a mortgage, or cashing out part of your home equity. We make a commitment to help you qualify, apply, and be approved for the right mortgage loan based on your needs.

Please navigate our website to learn more about us, what we offer you, and how easy it is to get started. Viva Financial has two offices in the San Francisco bay area.  Our Mill Valley, Marin County office, or South San Francisco office are conveniently located to meet face to face if you prefer.  Viva Financial gives you access to over 100 wholesale lending sources that offer mortgage financing on California real estate.