We search to find the most cost effective solution for you.


We have been working with home owners for over 30 years.


We'll fill out paperwork for you. Your time is more valuable than money. 


We are intentional about keeping you informed of costs, your options and the process.


We can discover solutions that may be new to you.


We'll answer your questions, educate you and provide a single point of contact for the entire process.

Today's Rates

...very pleased with the excellent service.

I was referred to Ray by my accountant and another personal friend and was very pleased with the excellent service and how smoothly everything went. Refinancing today is never fun but Ray made it as pleasurable as possible by always being there with a calm voice and having the answers to my questions. David in L.A.

...referred you to friends and family.

Thank you so much Anthony. We had a great experience with you and have already referred you to friends and family.  Katherine, CA

...responsive, helpful, and honest.

Ray is the best. We use him exclusively. He’s very responsive, helpful, and honest. We won’t use anyone else and refer him to everyone we know. Jennifer and Paul, CA

...the whole process went smoothly.

Excellent. The whole process went smoothly, thanks to you, because you have always been very responsive. I have already recommended your services to a friend. Eric, CA

...thanks for making this refi so easy!

Ray, from start to were there for me all the way!  Thanks for making my refi experience a very "easy" one.  I appreciate your service and the great rate we were able to lock in. Shawn, CA

...keeping the ball rolling.

Anthony, thanks a lot for your help and keeping the ball rolling so that we could get that great rate!  Jodi and Kevin, CA

...Fast and Professional.

A professional demeanor, friendliness and "can do" attitude describe my interaction with Ray J. He takes pride in his work and manifests that pride in commitment and dedication to his client's needs. He’s easy to work with. This is my second loan with Ray J.  John S., CA

...Went above and beyond...

Ray J not only got us an excellent rate, but walked us through our refinance every step of the way. It was a pleasure doing business!! Brent and Ingrid

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APR Info

Annual Percentage Rate (APR). 'Note' rate and APR based on 'best case scenario'. Rate and Term Refinance, 60 percent Loan To Value (LTV), 740+ Middle Credit Score, Owner Occupied, Single Family Residence, 30 day rate lock, Escrow Impounds for best pricing.

Cost Info

Custom quotes include loan origination charges AND typical 3rd party settlement charges for most refinance scenarios. Purchase quotes include lender fees only. Our goal is to be as accurate as possible from the start.

Privacy Info

We keep your information private and never sell or share it unless it is necessary to get you funded. Please view our Privacy Policy for more details. 

Rate Lock Info

Rates subject to change until locked. Certain conditions must be met to 'lock' your rate in. Please contact us for rate lock requirements.

Getting a home loan has never been so easy.

Sunset West Financial, Inc. DBA Amerimac Plaza West Financial

1238 Puerta Del Sol # 2B, San Clemente CA 92673

Phone 949-248-3091

NMLS Unique Identifier 233171

CA Bureau of RealEstate# 01160537

M-F 9AM-5PM PST (After hours by appt/ via email)

Sunset West Financial Inc BBB Business Review