how can we help you?

firm foundation finances

Firm Foundation Finance Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. 

We make the process of securing a mortgage simple and straightforward by offering you one on one consultative services.  Additionally, we offer a variety of resources all designed to help you make the best choice possible.

a word from karen

As a Mortgage Broker in California, our team is pleased to assist you and your family with your home financing needs.

What makes us stand apart? Is it our dedication? Our Heart? Our Experience? or Maybe it’s the financial education?

With almost 2 decades in the Real Estate Industry, a Master’s degree in Finances and a Heart for People, I have learned that the #1 key factor clients seek, time and time again, is someone they can rely on and trust.

why we stand out

With so many different types of mortgages/rates/options to choose from, including FHA, VA, Down Payment Assistance, Conforming, Jumbo loans and Reverse mortgages (HECM), you will appreciate the clear and transparent guidance we give our clients.

We will help you weed through your options to find the product that best fits your specific needs.

Call us today or feel free to email us to set up an in-person appointment or phone consultation.

First Time Home Buyers

There are several options available for First Time Home Buyers. Today is the best time to get into your new home.

Refinancing Your Home

Are you looking for a lower rate on your home mortgage loan? Perhaps you are looking to get some cash out for home improvements, paying for college, or other needs. We can help you find the best solution.


Let us put our experience and relationships with lenders to your use. We work with investors looking to flip properties, gain rental properties, develop properties and more.

Call our offices at (909) 654-5838 and talk one-on-one, over the phone or stop by our our office.  Of-course, if you are ready to get started, apply online today!

Our application process is secure, quick, and easy.

our customers love us!

We love exceeding your expectations.  Check out what a few of our customs have said about working with the team here at Firm Foundation Finances.

President & Founder

Karen UrrutiA, MBA