DEM is dedicated to serve and provide the local community with Real Estate and Financial Services. We pledge to conduct business successfully and to provide clients with options and choices.

 

Denise E. Matthis and her team integrate their attitude for excellence in their work and in their personal lives. We value our employees and seek to provide a secure and comfortable environment for them.



Denise E. Matthis, Broker
Real Estate and Mortgage Consultant

Tinesia M.Conwright
Real Estate Professional

Lance Mirkin
Loan Manager

Ghia S. Bates
Personal Assistant to Denise E. Matthis

April Heath
Client Relationship Manager

Keira Braxton
HR Administrator

Real Estate and Mortgage Services

We want to develop "clients for life" by exceeding customer expectations and providing RAVING FAN service! We are in pursuit of receiving the "WOW" attitude from our clients!

 

Our company operates with an attitude of professionalism, honesty, integrity, and respect for our clients and one another.

 

We first seek to understand our customers´ needs and values. We then provide service that goes above and beyond all our customers´ expectations to the point where we become a valued part of their lives.

 

By being your Realtor and Mortgage Broker we are able to utilize First Time Homebuyer programs such as Silent Seconds, Mortgage Credit Certificates, Mortgage Revenue Bonds, Federal Financing Programs, Dept. of Housing and Urban Development, Federal Housing Administration, VA Home Loan Guarantee, and California Veterans Loan Guarantee to enhance your opportunity to achieve the American dream of home ownership.

We believe that there is no singular circumstance within a loan file that indicates the quality of a loan. Each loan request is reviewed with a common sense approach and evaluated accordingly. We strive to make credit available to all qualified borrowers and ensure that they receive the best financing option available and keep their costs to a minimum.

By contracting the services of a Mortgage Broker you have access to many different lenders and their various loan programs with one simple application. As a branch office of California Funding & Realty we are able to offer loan programs from over 200 mortgage companies including Bank of America, Countrywide, Chase, Downey, Greenpoint, Washington Mutual, Wells Fargo, and Argent and New Century.

Loan programs available include Zero Down, 103% and 107% Purchase and Refinance, First Time Homebuyer Loans, No Ratio, Stated Income and No documentation, Mortgage Insurance Alternatives, CALSTRS, Attorney, Medical Professional and Teacher No Down Payment, VA and Jumbo VA, CHAFA, No Equity, and Debt Consolidation loans