Refinance Or Purchase Money

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Finally in 2013! A 19.6% Increase In Median Southern California Home Value!

( CLICK HERE for the LA Times Article)

If you have been holding off on a refinance because you aren't sure if your home has enough equity, now is the time to lock in these HISTORIC LOW RATES!

CLICK HERE To Find Out The Accurate Value Of Your Home Now For FREE!

Or Call Today with any questions you might have! I'm here to help!

Steve Gutiérrez-Kovner, SFR, NMLS

Your Local Foothill Area Finance Expert

CA DRE Broker License #01441197

Nationwide Mortgage Licensing System

Mortgage Loan Originator #244155

Why You Should Consider A Licensed Mortgage Broker
  • A Licensed Mortgage Broker has the resources of many lenders, including banks and mortgage companies, to offer a variety of products, with wholesale pricing;
  • A Licensed Mortgage Broker is governed and regulated to be in compliance with all state and federal laws;
  • A Licensed Mortgage Broker is trained and tested by the Nationwide Mortgage Licensing System (NMLS) to measure their competency prior to receiving their license.
  • A Licensed Mortgage Broker works for you - the client, not the bank!

What is a Licensed Mortgage Broker?
The licensed person who, for a commission or a fee, brings parties together and assists in negotiating contracts between them. A firm or individual bringing the borrower and lender together and receiving a commission. A mortgage broker does not retain servicing.


For more information,
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John Hart Real Estate, 330 S. Brand Blvd., Suite 130, Glendale, CA 91203
Steve Gutierrez-Kovner 818-275-7015
CA DRE Salesperson Lic # 01441197
NMLS Loan Officer Lic # 244155
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