Welcome to  So Cal Home Loan, Inc.

So Cal Home Loan is one of the preeminent mortgage and real estate company in Whittier and the Southern California area. We offer home loan financing, and real estate sales for single family, multi unit, apartments and commercial buildings. These services are offered to owner occupied, non-owner occupied, investors and owner occupants. We have a staff of fully trained and licensed brokers, realtors and loan officers who offer over 60 years of combines experience in the real estate industry with some of the biggest names in real estate.

Located in Whittier, California, So Cal Home Loan, Inc., DBA: Southern California Home Loan and Harcourt Realty, has been providing mortgage financing, refinances, home equity loans and real estate purchase and sales solutions to our customers for the past 5 years in Whittier. The loan officers and realtors at So Cal Home Loan, Inc. and Harcourt Realty are some of the most talented and trustworthy mortgage and sales experts in Southern California.

Prior to starting So Cal Home Loan, Inc. in 2003, the broker, Tracy Harcourt, and broker associate, T. Michael Otto, worked as branch, district and regional managers at some of the biggest mortgage lenders in the finance and real estate business in California. Among them, were Transamerica Financial Services, Ford Consumer Finance, Avco Financial Services, Household Financial Services (HFC), New Century Mortgage and Wells Fargo Home Mortgage.

So Cal Home Loan is a top Southern California lender. Our staff is experts in matching the best loan program to meet your financing needs. So Cal Home Loan offers mortgage lending services for home purchases, commercial property purchases, and for multi unit acquisitions. Also, we offer real estate broker services to assist you to buy or to sell real estate in Southern California.  A home loan will be a key component of the largest transaction of your life, so it is critical that you work with a competent Southern California lender skilled in matching your financing needs with the best home loan product available. As a mortgage broker, So Cal Home Loan is afforded a breath of financial products to meet your home loan or commercial property loan needs.

Not only do we offer loans for home purchases, but also we can assist you with home refinances, home equity loans, commercial property purchases, and multi unit acquisitions. We can assist you with a mortgage for an owner occupied or a non-owner occupied property.  With today’s mortgage industry, it is critical that you work with a top lender in Southern California to assist you in maximizing the availability of loan products to meet your needs. So Cal Home Loan can facilitate the lending process for you whether you are seeking a jumbo loan or conventional home loan. In addition, we arrange both fixed rate mortgages and adjustable rate mortgages (ARM) in order to meet your home financing needs.

Our mortgage brokers are lending experts, and will assist you to determine if you are best served with a jumbo loan or a conventional home loan, and we will guide you to understand the differences between an adjustable rate mortgage (ARM) and a fixed rate mortgage. So Cal Home Loan can assist you to finance a 30 year mortgage or a 15 year mortgage. In addition, we can arrange home financing for less than 15 years, if this type of product is a better mortgage alternative for you.

We provide mortgage lending services throughout Southern California with special focus in Los Angeles County, Inland Empire, and Orange County.  So Cal Home Loan works with those with good credit or bad credit. If your credit is bad and if there is a possible loan available to assist you with your home financing needs, our mortgage brokers can find it. If you are unsure if your credit is good or if it is bad, we can assist you to obtain a free credit report. It is best to determine quickly if your credit is good or bad so that there will be no surprises while trying to obtain a home mortgage.

In addition to our mortgage department, we have a real estate broker division. One of our real estate agents can help you to buy or to sell your home. Further, we can assist you to buy or to sell multi family dwellings or commercial properties.  The entire team at So Cal Home Loan looks forward to serving you, and we invite you to view our entire web site to learn more about our company and our lending programs. Do not hesitate to contact us with questions about your home mortgage or commercial property needs.

At So Cal Home Loan, we like to say that obtaining a home loan is as easy as “1, 2, 3”.