Talk to Bill first. Named #1 Mortgage Broker in Los Angeles by by America Top10, Bill will make sure you understand all your options, show you how you can affect what you qualify for, and help you devise a winning strategy to buy a home in this competitive market. With so much money at stake, and the procedural details so hard to fathom, home buyers are justified in being cautious about their decision to take out a mortgage. Whether you are a first-time home buyer, refinancing for cash out or a lower rate, or considering an investment or commercial property, you need a knowledgeable professional to help you determine your best possible deal – and who can make it happen. Bill is ranked in the top 1% nationally, has made President’s Club continually, and is an information resource for CBS News, Bankrate and Yahoo News. Bill Rayman Home Mortgages specializes in providing assistance with issues concerning mortgages including the various issues related to loans and mortgages such as title, appraisal, credit, income and funds. In addition to residential loans, Bill handles commercial, construction, and private money loans.