Local Home Loan Experts



(805) 591-7119

(805) 591-7119

Kay Otis

Kay
Otis

Christa Abma

Christa Abma

Katy Otis

Katy
Power


With over 3 decades of experience there is almost no loan type that Kay, Katy or Christa haven’t completed!
Our continued focus is on Loan Origination so as to keep a close working relationship with our wonderful clients!
Please contact us today so we can explore how we can help you reach your loan goals!

Contact Us Today

Client Testimonials & Social Media

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Dreaming of your perfect home? The right mortgage can make it a reality! 🌟
 
Every buyer’s journey is unique, just like the array of mortgage options. Whether you’re eyeing a cozy countryside retreat or a chic city pad, we’ve got you covered. 🌃
 
👉 Conventional Mortgages for the credit-savvy savers
 
👉 FHA Loans for those balancing credit and savings
 
👉 VA Loans, a thank-you to our veterans
 
👉 USDA Loans for rural living dreams
 
👉 Fixed-Rate Mortgages for long-term planners
 
👉 ARMs for the short-term strategists
 
No one-size-fits-all here! Let’s find the mortgage that fits YOUR life and dreams.
 
Find out which mortgage is right for you - DM for more info. Your home-buying journey starts now! 🗝️💼
Dreaming of your perfect home? The right mortgage can make it a reality! 🌟

Every buyer’s journey is unique, just like the array of mortgage options. Whether you’re eyeing a cozy countryside retreat or a chic city pad, we’ve got you covered. 🌃

👉 Conventional Mortgages for the credit-savvy savers

👉 FHA Loans for those balancing credit and savings

👉 VA Loans, a thank-you to our veterans

👉 USDA Loans for rural living dreams

👉 Fixed-Rate Mortgages for long-term planners

👉 ARMs for the short-term strategists

No one-size-fits-all here! Let’s find the mortgage that fits YOUR life and dreams.

Find out which mortgage is right for you - DM for more info. Your home-buying journey starts now! 🗝️💼
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Did you know that with an FHA loan, you can kickstart your homeownership journey with just a 3.5% down payment? Yep, you read that right – just 3.5%!
 
Here’s what you need to know about FHA Loans:
 
✅ Credit Scores: Aim for a 580 to enjoy the minimum down payment benefit.
 
✅ Mortgage Insurance: Essential for down payments under 20%, it protects the lender.
 
✅ Loan Limits: These vary by area, generally between $498,257 and $1,149,825, offering flexibility for various budgets.
 
✅ ideal for first-time buyers or those without a large down payment.
 
✅ Don’t have 3.5% down payment?  That’s ok – the down payment may be “gifted” from a relative!
 
Want to learn how an FHA loan can make your dream home a reality? Let’s connect and explore your options today!
Did you know that with an FHA loan, you can kickstart your homeownership journey with just a 3.5% down payment? Yep, you read that right – just 3.5%!

Here’s what you need to know about FHA Loans:

✅ Credit Scores: Aim for a 580 to enjoy the minimum down payment benefit.

✅ Mortgage Insurance: Essential for down payments under 20%, it protects the lender.

✅ Loan Limits: These vary by area, generally between $498,257 and $1,149,825, offering flexibility for various budgets.

✅ ideal for first-time buyers or those without a large down payment.

✅ Don’t have 3.5% down payment? That’s ok – the down payment may be “gifted” from a relative!

Want to learn how an FHA loan can make your dream home a reality? Let’s connect and explore your options today!
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January is all about fresh starts and setting intentions. So, let’s think about your future dream home. What would you like people to say when they walk through your door this year?
 
🤩 “Wow, this place is so cozy and welcoming!”
 
🌿 “I love how you’ve brought nature indoors!”
 
🖼️ “Your home is like a personal art gallery!”
 
🛋️ “It’s so you – every detail tells a story!”
 
Your home is more than just a space; it’s a reflection of your personality and dreams. Whether it’s cozy vibes, a nature-inspired haven, a personal art space, or a unique reflection of your journey – what do you envision?
 
Let’s make those words a reality in 2024! And remember…As your mortgage broker, I’m always here to assist you on this journey. 😄
January is all about fresh starts and setting intentions. So, let’s think about your future dream home. What would you like people to say when they walk through your door this year?

🤩 “Wow, this place is so cozy and welcoming!”

🌿 “I love how you’ve brought nature indoors!”

🖼️ “Your home is like a personal art gallery!”

🛋️ “It’s so you – every detail tells a story!”

Your home is more than just a space; it’s a reflection of your personality and dreams. Whether it’s cozy vibes, a nature-inspired haven, a personal art space, or a unique reflection of your journey – what do you envision?

Let’s make those words a reality in 2024! And remember…As your mortgage broker, I’m always here to assist you on this journey. 😄
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5 months ago
Central Coast Home Seekers!  If you were picking your perfect home, which would win your heart:  A scenic beach view of the mighty Pacific or a serene view overlooking our beautiful vineyards?

🌊Ocean Views of South County:  Imagine your own piece of paradise on the coast, a place for weekend BBQs and long walks on the beach.

🍇Vineyard Views of North County:  Picture sipping your morning coffee or evening wine with a backdrop of breathtaking cityscapes or serene sunsets. It’s like having a slice of vacation every day!

Share your dream in the comments, and let’s make it your reality! 🏡
Central Coast Home Seekers! If you were picking your perfect home, which would win your heart: A scenic beach view of the mighty Pacific or a serene view overlooking our beautiful vineyards?

🌊Ocean Views of South County: Imagine your own piece of paradise on the coast, a place for weekend BBQs and long walks on the beach.

🍇Vineyard Views of North County: Picture sipping your morning coffee or evening wine with a backdrop of breathtaking cityscapes or serene sunsets. It’s like having a slice of vacation every day!

Share your dream in the comments, and let’s make it your reality! 🏡
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Comment on Facebook

Both! Buy two homes!

We are excited to announce we are fully licensed in the state of Montana!  Whether you are local, relocating, or simply refinancing- we would love to help with your financing needs 🏡

📸 courtesy Brian Power
We are excited to announce we are fully licensed in the state of Montana! Whether you are local, relocating, or simply refinancing- we would love to help with your financing needs 🏡

📸 courtesy Brian Power
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1 years ago
Just wanted to do a shout out, last week Christa Abma-Greenhalgh / Christa Abma closed TWO FHA Purchases for first time homebuyers!   With FHAs new reduced MI, the clients got to get the added benefit of reduced monthly payments off the bat  : )   With 80% of Christas business coming from Purchase Transactions, whether FHA/VA or Conventional, reach out today to Infinity Mortgage, Inc. for your home loan needs!
Just wanted to do a shout out, last week Christa Abma-Greenhalgh / Christa Abma closed TWO FHA Purchases for first time homebuyers! With FHA's new reduced MI, the clients got to get the added benefit of reduced monthly payments off the bat : ) With 80% of Christa's business coming from Purchase Transactions, whether FHA/VA or Conventional, reach out today to Infinity Mortgage, Inc. for your home loan needs! ... See MoreSee Less
3 years ago
Don’t forget to stop by @northcountyfarmersmarkets at Atascadero Sunken Gardens today from 3pm-6pm!  Load up on #farmfreshproduce sweet trays and much more! 🥦🍅🥧🍪
Don’t forget to stop by @northcountyfarmersmarkets at Atascadero Sunken Gardens today from 3pm-6pm! Load up on #farmfreshproduce sweet trays and much more! 🥦🍅🥧🍪 ... See MoreSee Less
3 years ago
When your clients know the perfect thank you gifts!  Life straws and bath bombs!  Thank you Stacy Baker and Scott Baker for trusting us again with your #HomeMortgage. It was truly a pleasure working with you 🏡

Katy Power
#mortgagebroker
#centralcoast
#homeloans
#Purchaseloan
#refinanceloan
#locallender
When your clients know the perfect thank you gifts! Life straws and bath bombs! Thank you Stacy Baker and Scott Baker for trusting us again with your #HomeMortgage. It was truly a pleasure working with you 🏡

Katy Power
#mortgagebroker
#centralcoast
#homeloans
#Purchaseloan
#refinanceloan
#locallender
... See MoreSee Less

Comment on Facebook

You are truly the best thank you for all you did for us

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