Our personal commitment to our clients is:

  1. To offer a numbers based review of available options,
  2. To provide accurate, written quotes from the start,
  3. To answer every question throughout the process,
  4. To personally handle the majority of the paperwork,
  5. To deliver a ‘lock-in’ commitment as soon as possible,
  6. To fund on time, and
  7. To increase their financial intelligence along the way.
Give us a call with the details of your current situation and let’s run some numbers.

All we need is a few minutes to determine how we can save you money and improve your current mortgage rate, payment, and financial well-being. Or, if you are looking to buy, we do pre-qualification letters and purchase loans too.

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“Thanks for walking it through the process”
I have done had a few mortgages and refinanced many times in the past with and without the help of brokers. A lot of brokers don't worry about every outcome and accept that some stall out. I had a big…
Referred by my Accountant
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…
“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…
John S
Trustworthy Guide
I have been meaning to send you an email, but I have been completely swamped juggling the move and work. I just wanted to say thank you for all your efforts during this process. I continually go back…
“Thank you for your help Ray!”
Despite some difficult issues with my refinancing application process, Ray J was professional, efficient, and always available. This is my first time applying for a refinance and he was very informative…
“Excellent Work”
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
“Great service as always”
I have worked with Ray J for the past decade. There is no one better at the no cost refi. I recommend working with him to all my friends.
“Thank you for the excellent service.”
It only took 3 business days for Ray J to finish my loan application. The rest of days were waiting for funding. I highly recommend Ray J if you are looking for a loan broker.
Ray J was fantastic....very responsive and knowledgeable I highly recommend him.
Jim Smith
Attention to Detail
I underwrote the Towner file this morning and I just wanted to take a moment to commend and thank you for providing everything we need from you on this file upfront. Although this file is fairly straightforward,…
Provident Funding
“Great, responsive, and professional broker”
Since 2008, I have been refinancing my mortgage on an annual basis because it seems the rate just kept dropping about 1% each year from 2008 to 2012. So I have worked with many brokers and I can truly…
“Honest, thorough, quick, and patient”
Ray J at Amerimac Plaza West Financial is simply outstanding. We have refinanced with him several times; while we looked around at other companies' rates the first time, he was so good that we didn't even…
Straight Talk
Just completed a mortgage refinancing using Amerimac. The things I look for in a mortgage broker are low interest rates, straight talk, and no surprises at signing. Amerimac provided all three. The loan…
“Awesome Service! A+!!”
My wife and I want to thank Ray J for his assistance in refinancing our home. The mortgage process is very complex and can be a bit confusing at times. Ray has been very helpful. His depths of understanding…
Ted and Marianne
Ray J did an excellent job on my refi #2 and refi #1. Fast, super-responsive, and got me an excellent rate for my 15-year note. Every e-mail, call, and question was responded to quickly, and the whole…
“Thanks for making my refi so easy!”
Ray, from start to were there for me all the way! Thanks for making my re-fi experience a very "easy" one. I appreciate your service and the great rate we were able to lock in!
A Mortgage Broker I Can Count On
I've worked with Ray J for a decade now, doing 2 home purchases and countless refinancing deals. Not only are Ray J's rates unbeatable, his knowledge and helpfulness cannot be replicated. Ray makes a fairly…
“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
Professional and Knowledgable
Ray J has done an outstanding job working with us on a long, complicated and successful re-finance loan. He is very professional and knowledgeable. He responds quickly to all emails, faxes and phone calls.…


Established in 1986 and licensed through the California DRE and NMLS, Amerimac Plaza West Financial is a Mortgage Brokerage that specializes in California residential 1-4 unit financing. Our mission is to educate, provide prompt service and to offer competitive pricing. Our most competitive pricing is for one unit 'A' paper loans up to 625.5k with low and no closing costs. Let us put our extensive experience and technology to work for you.