I help people who own property anywhere in the State of California with their financing needs.  Tap into my 20 years of experience and into our network of over 70 direct lenders.  Rick Ammon--619-251-2166

It is a big step to purchase a new home or refinance your current home.  Let me help you find the loan program that is best for you and your family's future.  I am based in Southern California and work throughout the state.

HomePlus Mortgage offers VA, FHA, USDA, Reverse Mortgages, Fannie Mae, Freddie Mac and many other home loan options.  We also work with local MCC (potential income tax credit) and offer a full line of fixed rate and adjustable rate loan options.

Refinancing your mortgage loan

Refinancing your current mortgage might be simpler than you think. We make it headache-free to lower your interest rate and monthly payment. Did you know it is possible to pay down your balance more quickly for similar monthly payments? Let me show you how: (619) 251-2166.

Due to the present economic situation, you may think it's no longer possible to refinance and cash out your equity. But it can be done! You've been paying down your balance, and the equity belongs to you. Tap into that financial resource if you need it. We can find a program to fit your needs.

You deserve great service

As a mortgage professional, I will treat you with the respect due a valued customer and give you the personal service you deserve. You are making a commitment in purchasing a house, refinancing a mortgage, or cashing out your home equity. So it's only fair that I make a commitment to you: I will help you qualify, apply and be approved for the perfect mortgage loan for you.

Please explore our website to find out more about us, what we can do for you, and how simple it is to get the ball rolling. Or, contact me at (619) 251-2166.


HomePlus Mortgage is licensed by the California BRE # 01021315 and NMLS # 79337.  Frederick (Rick) Ammon is a mortgage loan originator licensed with the California BRE #01167452 and NMLS # 241453

Mortgage Calculator


Today's Rates

Mtg Loan Rate APR
30-yr Fixed 3.63% 3.75%
15-yr Fixed 2.93% 3.08%
1-yr Adj 2.37% 2.94%
* national averages