Taylors Open New Lending Company in Ramona

Kent and Emily Taylor announce the formation of a new mortgage lending company, Homestead Lending & Investments, Inc. Homestead Lending is a full-service mortgage lending company which blends the skills of its owners, employees and loan officers. Homestead Lending's offices are located in the Ramona Plaza building at 1140 Main St., Suite 114. The phone number is (760) 789-7880.

Homestead Lending originates purchase, refinance, second trust deeds, construction, lot and commercial loans.

Two of the loan officers working out of the Ramona office are Steve Herckt and Paul Smail.

"Steve and Paul are two of the best loan officers I have worked with, they have a true concern for their client's financial needs and are constantly looking for new lending programs to better serve their clients," Kent Taylor said.

Construction, lot and private lending are a specialty of Homestead Lending. Homestead specializes in single family home construction. Trudy Brody, senior underwriter and office manager for Homestead Lending specializes in single close construction loans. A single close construction loan enables Homestead's clients to obtain a loan that will assist with the lot purchase, provide the construction funds and convert to the permanent financing, all in one loan.

"We take great pride in building a financing plan that takes our clients from the beginning to the end of construction," Brody said.

Emily Taylor, co-owner of Homestead Lending, operates the private lending division of the company.

"To be a truly effective construction lender, is it important to be able to offer a wide variety of construction programs to fit the individual needs of our clients," she said. "We can do this thorough our private lending division. Clients with less than perfect credit or spec builders with limited income could qualify for a privately funded loan. In the specialty market of construction lending, privately funded loans may be the only option for many people who wish to build a home."

The private lending division also offers the opportunity to private individuals to earn a return on an investment in first trust deed construction loans.

"We have been very successful over the years in placing private individual's funds in first trust deed construction loans," Kent Taylor said. "This becomes a win-win for both the borrower and the private lender. The private lender earns a rate of return, which is higher than they may be getting elsewhere, and the borrower achieves their dream of building a home."

Janene Kaliskis, Cindy Spicuzza and Whitney Taylor also assist with the day-to-day operations of Homestead Lending. Kaliskis is a senior processor specializing in purchase and refinance loans. Spicuzza is a junior processor and Whitney Taylor is the receptionist.