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YES, It is Possible! Trust Your Loan With Us!

Our core principal is based around the fact we have such a large amount of gratitude for you entrusting us with one of the most important financial decisions of your life. We understand that if not executed properly, it can have long-lasting repercussions as we witnessed in 2008 during the mortgage crises. Hometown Loans also knows that despite our best efforts, borrowers may not understand every detail of a loan, and need to rely on a company who will ensure they are only placed in the best loan possible.  This is why we are so different, simply by always putting our clients’ needs ahead of our own. 

We do not take that responsibility lightly. We do what is in the best interest for you, our client, not what is best for our pocketbook, as some other mortgage companies may have done in the past. We know by doing this, we not only are doing what is morally and ethically right, but we know our belief system will inspire a winning company culture and also result in our borrowers referring us additional clients: the ultimate testament to a job well done.


Working with the right mortgage company is an important decision you will not want to overlook. Having access to a variety of loan programs is essential to your success in not being put in a one-size fits all solution program.  Each borrower has different needs: from the program type, length of term, desired payments, tolerance for risk, and outcome of his or her loan process.  At Hometown Loans we get this. We have seen thousands of unique situations in mortgage lending and have become the experts in getting the most difficult loans approved.  Have a great profile and just looking for the BEST RATE?  Don't worry, we've got you covered, we offer rates that will impress anyone, even if you work for a large bank. 

Recently closed and feel you may have been overcharged? There is no cost for us to evaluate what you may qualify for with us today. Many clients that recently refinanced with another lender found they were able to drop their rate as much as another FULL PERCENTAGE POINT just speaking with us.  We invite you to call and inquire about how Hometown Loans can offer you the best mortgage loan and experience yet.

Hometown Loans is performing an act for which a California Real Estate License is required. Hometown Loans is licensed and supervised by the California Bureau of Real Estate.  We have over 20 years of experience in mortgage lending and real estate.  Located in Irvine, California we are proud to be A+ rated with our local Better Business Bureau and are members of the Mortgage Bankers Association. Our Team of licensed professionals are eager to help you with any questions. Hometown Loans specializes in LOW RATES, Fast Closing, and qualifying borrowers who may have had challenges before!  Call now to learn more... 1.877.353.9527


Big Town Savings With That Small Town Feel...

Hometown Loans was founded almost ten years ago. In 2009 during the peak of the subprime mortgage meltdown, Hometown Loans Founder Brooke Nesheiwat decided that when the banks stopped lending to consumers and most mortgage professionals were running from the fire, she would charge into the danger, making sure homeowners were provided with resources and lending options they deserved. Since then, Brooke and Hometown Loans has earned a reputation as being the borrowers advocate and has helped thousands of homeowners with their purchase or refinance needs.  During the course of the ten years Hometown Loans has been recognized as an accredited business and earned a rating with our local Better Business Burue of A+, which we consider a testament to our care for each client.  We invite you to get to know Hometown Loans and our history.

Ladera Ranch is a 4,000 acres master-planned community adjacent to Mission Viejo, Rancho Santa Margarita, and San Juan Capistrano.  Located along Antonio Parkway and Crown Valley Parkway, construction of the community began in 1999 on portions of the O'Neill, Avery, & Moiso families' 23,000 acres Rancho Mission Viejo cattle ranch, which was the largest remaining working ranch in Orange County.  Hometown Loans specializes in lending in ALL AREAS OF CALIFORNIA including the community of Ladera Ranch.  Ready for that big town savings with that small town feel, Hometown Loans is the right mortgage lender for you.


The history of Ladera Ranch and the cities that were created from it actually date back to 1882 and has continued over time as a family tradition built on a legacy of ranching. Ladera Ranch is an unincorporated planned community located in south Orange County California just outside the city limits of San Juan Capistrano, Rancho Santa Margarita and Mission Viejo.

The community has several features that differentiate it from most others. For example, many traffic speed-reducing measures were put into use.

Roundabouts, for example, are commonplace on smaller intersections. Narrow street widths are characteristics of Ladera Ranch’s small residential streets. Landscaped street medians are common, even on two-lane collector streets like O’Neill and Sienna Parkways.

Ladera Ranch consists of aprox 6,745 homes and is considered by many to be one of the most Disneyland like sought after living areas ever built. Children were the most important ingredient considered when this innovative master planned community was designed in 1999. Locals like to say that one third of the residents are children. Ladera Ranch is comprised of nine separate villages with multiple neighborhoods per village. Ladera Ranch homes are amenity-rich with parks, pools, village clubs and more threading through the community. It’s a place where people of all ages are out and about enjoying today and planning more fun for tomorrow and beyond. Ladera Ranch celebrated it’s very first decade on July 4th 2010

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Ranch History

The history of Ladera Ranch and the other cities that were created from that history actually goes back over 125 years ago when 2 partners bought what they thought was “the greatest of all California “Ranchos”. Ladera Ranch was actually created from a long family tradition. Ladera Ranch is one of the most misconceived areas in all of Orange County. Many people think homes in Ladera Ranch are 10 miles or more to the ocean or considered Mission Viejo. This is not the case. There are actually ocean views (peek) from many properties in Ladera Ranch. Many homes in Ladera Ranch are approximately less than 4 miles to the ocean from the very south west corner. Believe it or not, the 5 freeway is less than 2 miles away. Although it’s adjacent to Mission Viejo, Ladera Ranch enjoys it’s own 92694 zip code. Ladera Ranch is a 4000 acre community complemented by 1600 acres of natural open space.

Homes in Ladera Ranch enjoy amenities that are first class starting with Cox Communications who provides complimentary high speed internet access to the whole community. Then there are over 14 pools (4 heated year round) available to all homeowners of Ladera Ranch. This doesn’t include the pools located in the apartment complexes, senior living community or 55+ community. The wonderful Cox Sports Park is situated on nearly 24 acres of land  and includes 5 fully lighted sports fields. There is also an awesome lighted skate-park, an incredible fully functional water-park with beach style wading and bell tower, tennis courts, basketball courts, soccer fields, a wagsdale park strictly for dogs, over 16 local and neighborhood parks throughout the villages and neighborhoods along with miles upon miles of hiking and biking trails.

Quality education is one of the core values that guides the vision for the community of Ladera Ranch, so that today there are a variety of new campuses, both public and private within the community. Three elementary schools, a middle school, and public library offer Ladera Ranch residents near-the-neighborhood access to superb learning technology. The public schools are under the auspices of the highly acclaimed Capistrano Unified School District which is part of the Orange County Department of Education. Young learners can partake of several pre-school and daycare choices just moments from home. A private school campus also operates within Ladera Ranch, offering families the kind of choices they value. The many school and early education campuses are located to make coming and going easy, and several are adjacent to parks.

Ladera Ranch has plenty of shopping and restaurants readily available anchored by Albertsons, Pavillions, CVS Pharmacy, 24 Hour Fitness, Staples, Starbucks and Kohls just to name a few. Just about every convenience known to man kind can be found in Ladera Ranch. Nordstrom, Saks Fifth Avenue and Macy’s are among a host of stores located at the nearby “Shops at Mission” shopping mall. Some of the most advanced diagnostic care is available right around the corner from Ladera Ranch at Mission Hospital which is part of the St. Joseph’s group. Ladera Ranch even has their own newspapers which include The Ladera Times and The Ladera Ranch News. Ready to refinance a home in Ladera Ranch or anywhere in California.  Call us now... 1.877.353.9527

More Ranch History


“The O’Neill family’s place in the history of Orange County and the state of California is marked by generations of enlightened community leadership. At Ranch Mission Viejo, the O’Neills keep alive the spirit and traditions of early California farming and cattle ranching. Nancy and I salute the O’Neills and the community in which they live.”

President Ronald Reagan
April 23, 1982 upon the centennial
of Rancho Mission Viejo