Thank you for visiting my website.

My name is Wayne, and my sole purpose is to help people like you achieve their dreams of homeownership or increase their investment property portfolio to ensure a better retirement. God has given me a unique talent in finance so that's what I attempt to do for every client by helping them along the process.

Navigating the loan process can be a daunting and overwhelming experience. We do our utmost to ensure the process is smooth from start to finish while ensuring all your questions and concerns are answered if and when they ever arise. For more than 35 years, and more than 6,000 closed loans, I have been helping people achieve the American Dream of Home Ownership. I've also helped countless people who desire to refinance their existing home or investment property to meet desired financial needs and goals.

So, whether you are a First-Time Buyer, sophisticated move up buyer, or Professional Investor, we can tailor a program to suit your needs and desires. At Franklin Advantage we are Mortgage Bankers specializing in Conventional Fannie Mae and Freddie Mac, FHA, and VA loans. We also offer Aggressive High Balance and Non-Conforming Jumbo Loans. We can also offer you what is termed Non-QM loans which are loans targeted towards those who are self-employed or possible professional investors who might not fit the normal standard income documentation guidelines of Fannie Mae or Freddie Mac.

Finally, we are Specialists also in HECM Reverse Mortgages and specialty first-time buyer programs. As a Mortgage Banker we are similar to any bank or credit union but better! Meaning we just don't have our rates and programs, but a host of lending sources to place your loan. That ensures that you are getting the best options and terms available.

While based in San Diego, I have helped (and continue to help) people throughout all of California with their mortgage financial needs. We are Federally Licensed under the National Mortgage Licensing System (NMLS) and the California Department of Real Estate. This means we have undergone extensive licensing requirements, education, and background checks. Allow me to Exceed Your Expectations while helping you navigate the maze of mortgage financing and regulations.

Once you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone or email for personalized service and expert advice.

NMLS Lic. # 343946 / Company NMLS # 285786 CA DRE Brokers Lic. # 0090657/ Equal Housing Lender