Jason & Cathy
Home Loans as Unique as YOU
Your life is uniquely yours. Why should your mortgage be any different?
From a first-time purchase to refinancing your home to funding your ideal investment – we’re here to make it all easier. Smoother. Better. At each and every step of the way.
Your Ideal Home Loan.
Made Easy.
No matter what your mortgage needs, you’ve come to the right lender. Whether it’s your first venture into homeownership or you’re working on your next investment property, your ideal home loan is just a few questions and consultations away.
We offer the most diverse loan options available in the challenging and constantly changing Southern California market. And we specialize in delivering smooth, painless and timely approval for your ideal loan product. The right loan that matches your unique goals. And best fits your specific situation.
Who We Are
Hi. We’re Jason Harmon and Cathy Dragna. Together, we possess more than 20 years of combined mortgage industry experience. As seasoned mortgage advisors, we bring a wealth of first-hand knowledge and hard-earned insight to the table – while delivering a unique and valuable dynamic to every transaction.
We’re about so much more than just business, though. We each take great pride in providing personalized service and true availability to our clients. We carefully listen to your particular requirements, desires and dreams. So we can match you with your ideal mortgage solution.
During the course of our professional careers, we’ve set ourselves apart from other lenders by providing superior service paired with successful execution – for any and all mortgage transactions.
Talk to us today. So we can get working on exactly what you need.
Our Loan Products
We’re here to help. Whatever your home loan product or service requirements may be. Our wide range and flexible variety of home loan products, paired with our unyielding commitment to our clients, make us an ideal one-stop shop for all your mortgage needs. Here’s a quick look at some of what we routinely deliver to our valued clients.
Jumbo Loan
Recommended for homebuyers who require larger loan amounts, the generously-named jumbo loan offers mortgage amounts in excess of the conforming loan limit. This type of loan is available in fixed, adjustable-rate and interest-only options.
FHA Loan
Recommended for homebuyers with limited savings or low to moderate income, the FHA loan offers a low down payment and flexible income, debt and credit requirements. Applicants can also use gift funds to assist in their down payment.
VA Loan
Recommended for qualified military veterans, reservists, active service members and their spouses, a VA loan requires no down payment and offers flexible income, debt and credit requirements. VA loans are also available to eligible first- or second-time homebuyers with low to moderate incomes.
Non-QM (Qualified Mortgage)
Ideal for borrowers with higher debt ratios, difficult-to-verify income, recent derogatory events and foreign nationals. Non-QM loans offer a wide variety of unique product solutions such as bank statement programs, cross-collateralization and many more. They are also available in fully-amortizing and interest-only ARM variations.
Specialized Conventional Programs
Along with our many traditional and conventional loan products, we offer Down Payment-Assistance programs, Renovation loans and Construction loans. We can also offer borrowers with limited cash resources valuable resources like utilization of future income and other assorted options.
Reverse Mortgage
Designed for homeowners age 62 and older, a reverse mortgage can help you unlock the equity in your home – or finance a new home purchase. We’re specialists in reverse mortgage financing and are dedicated to helping people learn more about this versatile financial instrument.
Hard-Money Private Equity
For Borrowers that are looking to secure financing through equity rather than credit worthiness. Hard money loans come with shorter terms (around two to five years), higher interest rates and hefty processing fees.
USDA Loan
Recommended for homebuyers purchasing a home located in a designated USDA rural area, USDA loans offer no-down payment options, flexible income, debt and credit requirements and little-to-no closing costs to low to moderate-income homebuyers.
What Our Clients Say
Jeff Gingold,
Napa, CA
“Cathy was invaluable in helping us to structure & secure financing under complicated circumstances. Great communication, great attitude, great result! ”
Jane Graef,
Tustin, CA
“What a pleasure it was to work with such a knowledgeable, responsive professional. Cathy was able to explain any questions I had during the process and responded quickly to any questions that arose. ”
Jen Chau,
Fullerton, CA
“Jason was fantastic to work with. We've already referred him to our family and friends and our real estate agent will be keeping his contact to refer out as well! He was always available, answered all of our questions and was already working on the next steps. He took the time to walk us through the processes we didn't understand, and was in contact with us regularly to keep us updated on the progress of our loan. The loan process went so smooth, we were able to close much sooner than expected. We will certainly be using him again!”
Kirk Shipley,
Joshua Tree, CA
“Jason was extremely knowledgeable and did a great job walking me through every step. As a first time home buyer, I was a little apprehensive of the entire process, but Jason made it incredibly easy and stress free. I would absolutely recommend Jason to any buyer, especially first time buyers who think that getting a home loan is incredibly complicated.”
Contact us
(949) 276-8516
23101 Lake Center Drive │ Suite 250 │
Lake Forest, CA 92630