Some kind words, from some of our past clients.

“After speaking with numerous government agencies and not receiving the assistance we felt we needed, we received a call from James at Neighborhood Home Relief. Not only was he polite, professional and sympathetic to our situation, but he helped us understand why we were being told “No”. With their 100% money back guarantee, we decided to give James a shot. He mapped out a new game plan for us and walked us through the process that they, their mitigation team and their attorneys take when looking at our file and how they come to the determination of success. James then put the new plan in motion. Guess what? It worked exactly as he said it would! We now have a new 30 year fixed rate loan that is saving us over $400 per month! Thank you so much James! To you and your team at Neighborhood Home Relief! You really did restore OUR hope in the American Dream!”

Janet, Littleton, Colorado

James & Larisa, we want to thank you for helping us with our home. We feel so fortunate to have you as neighbors and friends. Thank you for your kindness, your time, and your friendship.

Jon & Lisa - Aliso Viejo, CA

Larisa - Steve & I wanted to thank you so much for the time you put in with us…… You are smart, knowledgeable, sincere and so much more. I will refer you and your husband in a heartbeat! I hope we can use you in the future as we have already started thinking of future investments. I have a few of your business cards, but would like more. Thanks again, you were so sweet to us J!

Jenna & Steven – Irvine, CA

My wife bought this thing online and I didn’t think that we needed to do a modification or even qualified for one. We weren’t behind on our mortgage and although we were struggling I thought you had to be behind in order to modify, I was so wrong! We went step by step and used the phone numbers provided to speak to the right people inside our lender and within 45 days we had a NEW 40 year, fixed rate mortgage that was now much more affordable!. I was so mad when my wife bought this and now I realize that it was well worth the price ten times over.”

Tim, Lafayette, Louisiana

Dearest James & the wonderful Larisa – A well deserved and wonderful Holiday Season to you both! Thanks so much for the gift. It was very unexpected and of course unnecessary. Bumps in the road will occur, and I never had doubts about your service being a high standard. If that little voice in me gets doubts about a situation, I move on, as I did with a couple of other brokers before you. I never had those doubts with you. I knew your service would work out in the end, no matter what, because of you both being people of high integrity. Thanks again for your hard work, and especially the gift. Very Best Wishes

Jack - Vallejo, CA

“We were skeptical at first until we called the number to the loss mitigation department that was provided to us through the program, when the rep answered they were amazed and shocked that we were able to get a hold of them. My husband and I did everything as it was outlined in the LoanModAchiever® kit and we were so pleased with the results. We modified our loan to 3.5% and extended the term to 40 years. I highly recommend the kit to anyone who is behind on their mortgage it literally saved our home and made it more affordable.”

Amber & Michael, Riverside, California

We wanted to refinance our home to lower our rate and payments every month. Not only was James able to get us the lower interest rate we wanted, he was able to save us over $700.00 dollars every month from our previous mortgage.

Sid & Dr. Nancy – Irvine, CA

As a married, father of three boys and a professional pilot, I did not have the time, interest or desire to get mired in the details of securing a home loan. James did all the work. I told James exactly what I wanted, and he made it happen. No hidden fees, changes or excuses. He did what he said he would do; job well done! Thanks James.

Tim & Terry –Reno, NV

“When I came across your website I was 7 months behind on my mortgage and just finished paying a so called “Federal Loan Modification” company $4,495 to help me with my modification with no results in over 4 months, I was faced with a sale date and took a chance on the LoanModAchiever® kit and man you guys saved my home. Your advice to call our lender and start working with them after going over all of the tools made the difference.”

Jonathon, Solano Beach, California

Expecting twins is stressful enough! But imagine preparing for twins and trying to buy your first home? James was able to get me and my wife pre-approved on the same day in one of their “first-time homebuyer” programs with one of their approved lenders. We found a home nearby and 30 days later we were moving in.

Jeff & Kari – Lake Forest, CA

I needed to refinance my home quickly to payoff some excess debt and reduce my overall monthly payments. James put me into an Option ARM program and reduced my overall debt structure by over a thousand dollars.

Genie – Tucson, AZ

My husband and I wanted to invest, we just didn’t know if we wanted to open a restaurant or invest in real estate. After discussing all of our options with James, we decided to refinance and pull cash out of the equity of our home and reinvest it back into real estate. We now own multiple properties in the Lake Tahoe area in the beautiful Sierra Nevada Mountains of Northern California

Miro & Pam – Tahoe City, CA




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




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