"Quality is never an accident...It is always the result of high intention, sincere effort, intelligent direction, and skillful execution. It represents the wise choice of many alternatives.” - Will Foster

Welcome to our website, a "frustration-free zone" where we get you started toward qualifying and applying for a mortgage loan or help you down the path of a loan modification. We can get you approved in record time!

Shopping for a home?

Thinking about it? Get prequalified! You'll have the clout of a cash buyer. You'll know how much you can afford. And be well on your way to the mortgage program that's right for you as soon as you make the offer!

Want to refinance a current mortgage and strike while the rates are hot?

We offer several lock-in periods and bring your loan home from application to signing on the dotted line with time to spare. You don't want to wait to start saving on your interest rate and monthly payment, and we won't make you!

Every day after you apply is a day you want to be moving into your new home or paying a lower monthly payment! We don't waste time -- we get you where you want to go and FAST!

Need more information about Loan Modifications?

Whatever your reason for needing a loan modification, we get you there fast -- without taking our eye off the ball. You want a quick, clean, process with results! We understand and deliver the best service in the industry.

Please visit the Loan Modification links to the left, or click here to find out how James and his team of specialists at Neighborhood Home Relief can help you with all of your loan modification needs!

When you're ready business phone system, or to apply for a loan modification, please click here and in the "Campaign ID" field enter KRFR1007.


Today's Rates:

Mtg Loan    Rate  APR
30-yr Fixed4.97%5.13%
15-yr Fixed4.33%4.56%
1-yr Adj4.27%5.3%
* national averages




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Mortgage Calculator:
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The Owen Team 85 Argonaut Suite 190 Aliso Viejo, California 92656
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