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Southern California Property Solutions

Property Challenge?
Start Here.

When a property situation doesn't fit conventional lending — Notice of Default, balloon payment, probate, trapped equity, or a traditional lender decline — options still exist. This is a resource for property owners, investors, attorneys, and referral partners navigating situations that require more than a standard mortgage solution.

Why People Reach Out
Traditional Lender Said No
Alternative solutions may exist
Most Common
Time-Sensitive Deadline
NOD, balloon, or foreclosure timeline
Urgent
Equity Trapped in Property
Cash out without selling
Common
Complex Ownership Situation
Probate, inherited, title challenges
Solvable
Self-Employed or Non-W2 Income
Alternative income documentation may apply
Available
Are You Facing Any Of These?

Common Property Challenges

Property challenges don't follow a single pattern. The situations below are among the most common reasons property owners, heirs, investors, and attorneys reach out. If your situation is not listed, describe it — most scenarios have more options than initially appear.

What is a California Property Solutions Center? A property solutions center is a resource that evaluates the full range of options available to property owners, investors, and estate professionals when a situation does not fit conventional lending or standard real estate channels. In Southern California, common situations include Notice of Default, balloon payments coming due, probate property, inherited real estate with title complexity, trapped equity, and properties that have been declined by traditional lenders. The right approach depends on the property's equity position, the ownership structure, the timeline, and the objective — not on a single product or program. Troy Mire, California Real Estate Broker (DRE 01199870) and Mortgage Loan Originator (NMLS 1795353), serves Los Angeles County, Orange County, Riverside County, San Bernardino County, and Ventura County.

⚠️
Notice of Default

A recorded NOD begins the California foreclosure clock. Time is the determining factor in what options remain. Private capital may resolve the default if equity exists and an exit strategy is defined.

🏚
Distressed Property

Properties that don't qualify for conventional financing due to condition, deferred maintenance, or damage may still have equity-based financing options available through private capital.

💵
Cash Out Refinance

Accessing property equity through a refinance. When conventional programs decline due to income documentation, credit events, or property type, alternative programs may apply.

🔄
Second Mortgage Refinance

Refinancing or replacing an existing second mortgage. Options depend on the combined loan to value position and the property's current market value.

📅
Balloon Payment Coming Due

A balloon payment is a defined deadline. Bridge financing, refinancing, or a structured payoff may preserve ownership when a large payment becomes due.

🚫
Traditional Financing Not Working

A bank or conventional lender decline is not a final answer. Non-QM programs, private capital, and alternative structures exist specifically for situations outside standard guidelines.

🔒
Equity Trapped in Real Estate

Property equity that cannot be accessed through traditional channels may be reachable through second trust deeds, private capital, or bridge loans without selling the property.

🏗
Investor Property Financing

Investment property financing based on property income and equity position rather than W2 income or tax returns. Bridge financing and private capital for non-owner-occupied properties throughout Southern California.

⚖️
Probate Property

Probate creates title complexity that most conventional lenders decline. Some private capital programs can navigate probate scenarios where authority to act has been established by the court.

🏠
Inherited Property

An inherited property with an existing mortgage presents multiple paths: assume, refinance, access equity, or sell. The right option depends on the loan terms, current value, and ownership objectives.

📄
Title Challenges

Title issues — open liens, gaps in chain of title, recorded encumbrances — complicate conventional financing. Private capital is often more flexible on title complexity than institutional lenders.

Need More Time Before Selling

Short-term financing can create runway when a forced sale would result in a suboptimal outcome. Bridge capital, second position loans, or payment relief may extend the decision window.

Understanding Your Options

You Have More Options Than You Think

Every property situation is shaped by a unique combination of factors. There is rarely a single answer. The right solution depends on understanding the full picture before recommending a direction. This is why the conversation comes before the solution.

FACTOR 01
Property and Equity Position

The current market value of the property and the amount owed against it determine the equity available to work with. More equity creates more options. The lien structure shapes what financing is possible and in what position.

FACTOR 02
Ownership Structure

How title is held — individual, trust, LLC, partnership, estate — affects who can authorize financing, what programs apply, and what documentation is required. Probate, inherited property, and entity-owned real estate each follow different rules.

FACTOR 03
Timeline and Urgency

A Notice of Default has a legal clock. A balloon payment has a due date. A probate sale may have court deadlines. The urgency of the situation determines which financing tools are realistic. Acting early preserves options.

FACTOR 04
Objectives

Preserving ownership, accessing cash, resolving debt pressure, buying time, or preparing for an eventual sale — each objective points toward different solutions. The right solution depends on what outcome the property owner is actually working toward.

FACTOR 05
Market Conditions

Property values, interest rate environment, and lender appetite directly affect what financing is available, on what terms, and at what cost. Current market conditions in Southern California shape every option on the table.

FACTOR 06
Exit Strategy

Every short-term financing solution requires a defined exit — how the loan gets repaid. Refinance into permanent financing, sale of the property, or repayment from business income are the most common exits. A credible exit strategy is required for any private capital solution to move forward.

Troy Mire is a California Real Estate Broker (DRE 01199870) and licensed Mortgage Broker (NMLS 1795353) serving Southern California property owners and real estate investors with over 20 years of experience in real estate, mortgage lending, and private capital. Real estate brokerage services are provided through TMireBroker & Co. Mortgage and lending services are provided through licensed mortgage broker channels. Additional mortgage resources are available at troypmire.com.

How It Works

Simple Process. Clear Direction.

No obligation to move forward at any step. The goal of the initial conversation is to understand your situation and identify whether options exist — not to push a product.

01
Describe Your Situation

Tell us about the property, the challenge, your timeline, and what outcome you are hoping for. No forms. No commitment. Just the facts of your situation.

02
Review Available Options

Based on the specific details of your property and situation, available options are identified. If there are no viable options, that information itself has value.

03
Develop a Strategy

If options exist and you choose to explore further, a strategy is developed based on your property, equity position, timeline, and objective. Structure matters more than speed.

04
Move Forward If Appropriate

If the strategy fits your situation and you elect to proceed, implementation begins. There is no pressure at any point in the process.

Notice Of Default & Foreclosure Prevention

Notice of Default in California

A Notice of Default is not a foreclosure. It is the beginning of a legal process — and time is the most important variable in determining what options remain. Understanding the California NOD timeline and the factors that drive each decision point is the starting place for any meaningful strategy.

DIRECT ANSWER
What is a Notice of Default in California?

A Notice of Default (NOD) is the first formal step in California's non-judicial foreclosure process. It is recorded by the lender after a borrower falls behind on payments, officially starting a minimum 90-day reinstatement period before a Notice of Trustee Sale can be filed. A recorded NOD is public record. It does not mean the property has been lost — it means the clock has started.

DIRECT ANSWER
Can private capital stop a foreclosure in California?

Yes — if sufficient equity exists in the property and a defined exit strategy is in place. Private capital can be deployed to cure the Notice of Default, satisfy the delinquent amount, and halt the foreclosure timeline. The critical factor is acting before the Notice of Trustee Sale is recorded. The earlier the situation is addressed, the more options remain available and the lower the cost of the solution.

Day 1
NOD Recorded

Lender records Notice of Default. Minimum 90-day reinstatement period begins. Maximum options, maximum time.

Day 90+
Notice of Trustee Sale

Lender may file Notice of Trustee Sale. A minimum 20-day period before auction. Options narrow significantly.

Day 110+
Trustee Sale (Auction)

Property sold at public auction to highest bidder. Owner's right of redemption ends. Few options remain after this point.

The Key Principle

Every day between NOD and Trustee Sale that passes without action reduces available options. Contact us as early in the process as possible. An NOD is a problem. A completed foreclosure is a different outcome entirely.

Discuss Your NOD Situation
Distressed Property Solutions

Distressed property situations — including Notice of Default, deferred maintenance, code violations, fire damage, or significant deferred equity — fall outside conventional lending guidelines. That does not mean financing is unavailable. Private capital focuses on the equity position and exit strategy, not property condition. Properties that institutional lenders decline can still be financed through equity-based structures when the numbers support it.

For equity rescue and distressed property situations, see also: rescue.troymireteam.com

Second Mortgage & Second Trust Deed Solutions

Second Mortgage Refinance

Second mortgages and second trust deeds create specific challenges — especially when they carry high interest rates, balloon payment deadlines, or have been declined for refinance through conventional channels. Understanding the options available in second lien position is critical to making the right decision.

DIRECT ANSWER
Can I refinance a second mortgage in California?

Yes. A second mortgage or second trust deed can be refinanced, replaced, or restructured depending on the combined loan to value position and the property's current market value. When conventional lenders decline due to income documentation or credit, private capital in second position may be an option. The key factors are total liens versus current value and the purpose of the refinance.

DIRECT ANSWER
Can I access equity in a second position without refinancing the first?

Yes. A second trust deed allows a property owner to access equity behind an existing first mortgage without disturbing the first loan — which matters when the existing first carries a favorable rate or terms that would be lost in a full refinance. Second position loans are underwritten based on the combined lien position and available equity. Private capital is the most flexible source for second position lending outside conventional guidelines.

High Rate Second Mortgage

An existing second mortgage at an above-market rate creates ongoing payment pressure. Refinancing the second into a lower-rate or restructured solution — without touching the first — can reduce monthly obligations and improve cash position without a full refinance.

Balloon Second Mortgage

A second mortgage with an approaching balloon date is a defined deadline. Options include refinancing the second, extending through bridge capital, negotiating a payoff, or folding it into a first position restructure. Acting before the balloon date preserves the most options.

Second Position Equity Access

When a property carries significant equity above the existing first mortgage, a second trust deed can provide access to that equity for business purposes, investment capital, debt consolidation, or property improvement — without selling or refinancing the first loan.

Equity Access Solutions

Accessing Property Equity Without Selling

Property equity is an asset. Accessing it does not require selling the property or refinancing an existing first mortgage at an unfavorable rate. Multiple paths exist depending on the equity position, ownership structure, and intended use of capital.

DIRECT ANSWER
Can I access equity without refinancing my first mortgage?

Yes. A second trust deed or second position private capital loan allows a property owner to access equity without disturbing the existing first mortgage. This is particularly important when the current first carries a low interest rate that would be lost in a full cash-out refinance. The amount available depends on the combined loan to value and the property's current market value.

DIRECT ANSWER
What can equity access be used for in California?

Property equity accessed through a second trust deed or private capital loan can be used for business purposes, investment capital, property improvements, debt consolidation, estate settlement, probate costs, or resolving a financial deadline. The intended use of proceeds does not determine whether equity access is possible — the equity position and exit strategy do.

First Position Cash Out

Accessing equity by refinancing the existing first mortgage into a new loan at a higher balance. Most direct path. Best when the current first rate is not significantly better than available options.

Second Position Access

Adding a second trust deed behind the existing first to access equity without disturbing the primary loan. Preserves favorable first mortgage terms. Requires sufficient combined equity position.

Bridge to Sale or Refinance

Short-term equity access to address a deadline while preparing a property for sale or waiting for conventional refinance eligibility. Defined exit strategy required.

Private Capital Equity Loan

Asset-based equity access for situations where income documentation, credit, or property condition prevents conventional approval. Underwritten on equity position and exit strategy — not tax returns.

For distressed equity situations and equity rescue scenarios, see: rescue.troymireteam.com  |  For deal structure and investor equity, see: structure.troymireteam.com  |  For private capital and funding, see: funding.troymireteam.com

Service Area

California Property Solutions

Troy Mire's real estate brokerage and mortgage services are focused on Southern California. Property owners, investors, attorneys, and probate professionals throughout these counties have access to the same financing tools, strategy, and execution.

Los Angeles County

The largest and most diverse real estate market in California. Private capital and alternative financing solutions for residential and investment properties throughout LA County — from distressed SFRs to multi-unit repositioning.

Primary Market
Orange County

High-value residential and commercial properties with strong equity positions. Cash out, bridge financing, and investor solutions for OC property owners who don't fit conventional guidelines due to income documentation or property type.

Active
Riverside County

Expanding Inland Empire market with strong investor activity. Bridge financing and private capital for Riverside County investment properties. Distressed property solutions for owners facing default or balloon payment pressure.

Active
San Bernardino County

One of the most active investor markets in Southern California. Private capital, equity-based lending, and alternative financing for property owners throughout the Inland Empire — Fontana, Ontario, Victorville, and beyond.

Active
Ventura County

Coastal and inland Ventura County property solutions. Bridge financing, equity access, and alternative mortgage programs for property owners and investors across Ventura, Oxnard, Thousand Oaks, and surrounding communities.

Active
Frequently Asked Questions

Property Solutions FAQ

Answers to the most common questions about property financing challenges, equity access, distressed property situations, and alternative financing in California.

Yes. Equity-based financing focuses on the property value and existing lien position rather than W2 income or tax returns. If the property has available equity above existing liens, there may be options through private capital, second trust deeds, or alternative financing structures — even when conventional lenders have declined.
A Notice of Default begins the formal foreclosure process. From the NOD filing, the property owner typically has approximately 90 days before a Notice of Trustee Sale is recorded, followed by a 20-day period before auction. If sufficient equity exists and a clear exit strategy can be defined, private capital can potentially be deployed to cure the default and stop the foreclosure process. Acting early preserves more options.
Options may include refinancing the existing loan, obtaining bridge financing to extend the timeline, or a negotiated payoff. The right solution depends on the property value, equity position, ownership structure, and your timeline and objectives. The earlier you address it, the more options remain on the table.
A second trust deed is a loan secured against real property in second lien position — it sits behind the existing first mortgage. This allows a property owner to access equity without refinancing or disturbing the existing first loan. Common uses include cash out for business purposes, investment capital, or resolving financial pressure without selling the property.
Probate property presents unique title and ownership challenges. Financing options depend on the stage of probate, who holds authority to act on the estate, and the property's equity position. Short-term bridge loans and private capital solutions can sometimes be structured for probate properties where traditional lenders decline due to title complexity. An estate attorney and an experienced mortgage broker should both be involved.
Inheriting a property with an existing mortgage creates several potential paths: assume the loan if eligible, refinance into your own name, access equity through a second position loan while deciding on a longer-term strategy, or sell the property. The right path depends on the existing loan terms, current property value, your financial situation, and your objectives for the property.
Bridge financing is short-term capital — typically 6 to 24 months — used to bridge the gap between an immediate need and a longer-term solution. It makes sense when you need to act quickly before permanent financing is ready, when a property doesn't yet qualify for conventional financing, or when you need time to stabilize an asset. The exit strategy is the most critical factor.
Equity-based financing means the loan is primarily underwritten based on the property's value and the equity position above existing liens — not on the borrower's income, credit score, or tax returns. This makes capital accessible to self-employed borrowers, investors with complex income, and property owners who don't qualify under traditional guidelines.
Investment property financing can be structured around the rental income the property generates rather than the investor's personal tax returns or W2 income. If the property's gross rental income supports the proposed loan payment, qualification may be possible without personal income documentation. This approach is designed for real estate investors and applies to non-owner-occupied investment properties only.
Yes. Self-employed borrowers whose tax returns understate actual income due to legitimate deductions often qualify for financing through alternative income documentation — bank deposits, business cash flow, or asset-based qualification. The property's equity position and the borrower's ability to demonstrate actual financial capacity determine what is available.
A conventional lender decline is not a final answer. Financing programs exist outside standard Fannie Mae, Freddie Mac, FHA, and VA guidelines — designed for borrowers with non-traditional income documentation, recent credit events, complex property situations, or investment properties. Private capital and alternative financing structures provide additional paths when conventional channels close. The property's equity position and a defined exit strategy are the primary underwriting factors.
The terms are often used interchangeably. Both refer to short-term, asset-based loans funded through private capital rather than institutional lenders. Hard money loans are typically associated with distressed property or fix-and-flip scenarios. Private capital is a broader term that includes bridge financing, equity access, second trust deeds, and other alternative structures.
Loan to value limits for private capital in California typically range from 55% to 75% of the property's current market value, depending on lien position, property type, location, and investor criteria. First position loans generally allow higher LTVs than second or third position loans. The stronger the equity cushion, the more flexibility exists in structuring the loan.
Selling is one option. It is not always the best option. Property solutions explore whether equity can be accessed without selling, whether a financing restructure can resolve cash flow pressure, whether additional time can be created for a better outcome, or whether a complex situation can be resolved in a way that preserves ownership.
Title challenges can complicate financing but rarely eliminate all options entirely. The type of title issue matters — a gap in chain of title, a recorded lien, an open permit, or a probate complication each require different approaches. Some private capital lenders are more flexible on title complexity than conventional lenders.
If payment pressure is driving urgency, equity-based financing may create runway. If foreclosure is the timeline, a bridge loan or private capital solution may stop the clock. If a family or estate situation requires resolution time, a short-term loan secured by the property may provide the window needed to proceed on better terms. Every situation is different.
The starting point is understanding the property's current value, the amount owed, the ownership structure, and your timeline and objectives. Available options depend on the equity position and whether a clear exit strategy exists. The fastest way to know what is possible is to describe your situation and have an experienced broker evaluate the specific facts.
Yes, if sufficient equity exists and a defined exit strategy is in place. Private capital can be deployed quickly to satisfy a Notice of Default, cure the delinquency, and stop the foreclosure process. The earlier the situation is addressed, the more options remain available.
Yes. Investor property financing includes bridge financing, private capital, fix-and-flip funding, second trust deeds, rental income-based qualification, and equity-based lending for non-owner-occupied investment properties throughout Southern California and nationwide.
An exit strategy is the defined plan for how a loan will be repaid. For private capital and bridge financing, this is the most critical underwriting factor. Common exits include refinancing into permanent financing once the property or borrower qualifies, or selling the property. A credible, defined exit strategy is required for any short-term financing to move forward.
Alternative financing programs and private capital options may be available for borrowers with recent credit events, low credit scores, or complex financial histories, provided the property has sufficient equity. The property's equity position, the loan amount requested, and a defined exit strategy determine what options exist — regardless of credit history.
Troy Mire serves property owners and investors throughout Los Angeles County, Orange County, Riverside County, San Bernardino County, and Ventura County. Real estate brokerage services are provided through TMireBroker & Co., CA DRE 01199870.
Troy Mire holds a California Real Estate Broker license (DRE 01199870) and is a licensed Mortgage Loan Originator (NMLS 1795353). Real estate services are provided through TMireBroker & Co. Licensing can be verified at nmlsconsumeraccess.org.
The initial review of your situation is a conversation, not a commitment. There is no obligation to proceed. The purpose is to understand your situation and identify whether options exist. If there are no viable options, that information itself has value.
Private capital refers to financing funded by private investors rather than banks or institutional lenders. Unlike bank loans, private capital is asset-based — underwritten primarily on the property's value and equity position rather than borrower income or credit score. It typically closes faster and accommodates scenarios outside conventional guidelines. The trade-off for speed and flexibility is higher cost.
The initial conversation is at no cost and carries no obligation. The purpose is to understand your situation and determine whether options exist. If there are no viable paths forward, that information itself has value. Fees, if any, are only discussed if and when a specific transaction moves forward.
Private capital transactions can close significantly faster than conventional financing — in some cases within 7 to 14 business days when the property, equity position, and exit strategy are clearly defined upfront. Speed depends on the complexity of the situation, title condition, and how quickly documentation is assembled. When time is the primary constraint, private capital is often the only realistic tool.
A refinance replaces an existing loan with a new loan, typically at a fixed or adjustable rate and longer term — intended as a longer-term financing solution. A bridge loan is short-term capital — usually 6 to 24 months — used to address an immediate situation while a longer-term solution is arranged. Bridge loans close faster, require an exit strategy, and carry higher costs. Refinancing is the preferred outcome when it is available; bridge financing is the tool when timing or property condition prevents it.
In California, a probate property can potentially be sold or refinanced before probate closes, but court authority is required. The personal representative or administrator must have authority to act — either through full authority under the Independent Administration of Estates Act or through specific court approval. Some private capital lenders can work within probate constraints when authority is established and the transaction is in the estate's interest. An estate attorney should be involved in any probate financing or sale transaction.
A Notice of Default (NOD) is the first formal step in California's non-judicial foreclosure process. It is recorded by the lender after a borrower falls behind on payments, officially starting a minimum 90-day reinstatement period before a Notice of Trustee Sale can be filed. A recorded NOD does not mean the property has been lost — it means the clock has started. Acting early preserves significantly more options than waiting.
Yes. A second trust deed or second position private capital loan allows a property owner to access equity without disturbing the existing first mortgage. This is important when the current first mortgage carries a low interest rate that would be lost in a full cash-out refinance. The amount available depends on the combined loan to value and the property's current market value.
Yes. A second mortgage or second trust deed can be refinanced, replaced, or restructured depending on the combined loan to value and the property's current market value. When conventional lenders decline, private capital in second position may be an option. Common scenarios include high-rate second mortgages, balloon payment deadlines on second loans, and second trust deeds with unfavorable terms.
Options when a balloon payment is due include refinancing the existing loan into a new term, obtaining short-term bridge financing to extend the timeline while permanent financing is arranged, negotiating a payoff or modification with the existing lender, or selling the property if that aligns with the objective. The right path depends on the equity position, property type, and how much time remains before the balloon date.
Tell Us What Is Happening

Request a Review

Describe your situation. No obligation. No commitment. The goal of the initial conversation is to understand what you are facing and whether options exist.

  • Property challenges, financing challenges, and equity access
  • Distressed property, Notice of Default, balloon payments
  • Investor financing, probate property, inherited property
  • Alternative financing when traditional lenders have declined
  • Situations that don't fit standard guidelines
Troy Mire
California Real Estate Broker · DRE 01199870
Mortgage Broker · NMLS 1795353
Real Estate Services: TMireBroker & Co.
Mortgage Resources: troypmire.com
Property Solutions Review Request
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No obligation to proceed. Initial review is a conversation, not a commitment.

About

Troy Mire

Troy Mire is a California Real Estate Broker and Mortgage Broker with more than 20 years of experience in real estate, mortgage lending, and private capital across Southern California. His background spans both brokerage and direct lending, giving him a practical understanding of what separates a workable solution from one that looks good on paper but doesn't close.

Property situations that don't fit conventional guidelines — distressed property, complex ownership, self-employed income, time-sensitive deadlines — are not edge cases. They are the core of what he does.

Real estate brokerage services are provided through TMireBroker & Co. Mortgage services are provided through licensed channels under NMLS 1795353. Additional mortgage resources are available at troypmire.com.

Troy Mire
California Real Estate Broker · DRE 01199870
Mortgage Loan Originator · NMLS 1795353
Real Estate: TMireBroker & Co.
Serving: Los Angeles · Orange · Riverside · San Bernardino · Ventura

Troy Mire is a licensed California Real Estate Broker (CA DRE 01199870) and Mortgage Loan Originator (NMLS 1795353) serving property owners, real estate investors, attorneys, probate professionals, and Realtors throughout Los Angeles County, Orange County, Riverside County, San Bernardino County, and Ventura County. Real estate brokerage services are provided through TMireBroker & Co. Mortgage and lending services are provided through C2 Financial Corp (NMLS 135622) and other licensed mortgage broker channels.

WHO WE SERVE
Property Owners Real Estate Investors Attorneys Probate Professionals Realtors Estate Heirs Self-Employed Borrowers Referral Partners Bridge Loan Candidates Fix and Flip Investors
Additional Resources

Troy Mire Resource Network

Specialized tools and resources built for specific property and financing scenarios. Each resource addresses a distinct situation.

AI Strategy Tool
Troy Mire Advisor

An AI-powered strategy tool for exploring real estate and financing scenarios. Ask questions about distressed property, equity access, investor financing, and complex situations. Available 24/7.

advisor.troymireteam.com →
Distressed Property
Equity Rescue Center

Dedicated resource for property owners facing Notice of Default, foreclosure, or significant equity pressure. Explore options before time runs out. Designed for California property owners in urgent situations.

rescue.troymireteam.com →
Deal Structure
Deal Structure Center

Private capital intake for real estate investors. Bridge, DSCR, equity rescue, and fix-and-flip financing. Most deals don't fail on price — they fail on structure.

structure.troymireteam.com →
Private Capital
Funding Center

Explore private capital and alternative financing programs for investment properties, development projects, and equity access scenarios that fall outside conventional lending guidelines.

funding.troymireteam.com →
Lending Intelligence
Lending Intel Center

California lending market intelligence, program updates, and strategy insights for investors, borrowers, and real estate professionals navigating a complex financing environment.

lendintel.troymireteam.com →
Mortgage Resources
Mortgage Resource Center

Comprehensive California mortgage resource center covering conventional, non-QM, DSCR, bank statement, and alternative loan programs. Tools, calculators, and market information for borrowers and professionals.

troypmire.com →

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Serving Los Angeles, Orange, Riverside, San Bernardino, and Ventura Counties

562 244 7963 [email protected] Discuss Your Situation