CARPENTER MORTGAGE  SERVICES (CMS) is a full service mortgage brokerage located in Irvine, California and have been originating Residential and Commercial Mortgages since 1993. Our organization is founded on the belief that we are providing a service and not just a product.

We don’t just originate your loan but rather we guide and advise you through the mortgage process, avoiding the pitfalls and capitalizing on the opportunities for you Along with assisting customers in their refinance transactions, we work closely with various real estate companies and builders in providing expedient origination’s and closings for their purchase transactions.

Our loan consultants will give you the personalized attention that you deserve to ensure that you find the right loan product for you. We go out of our way to make sure that you are have all of your questions answered and are satisfied with your loan. Maybe that’s why referrals are the cornerstone of our business. 

The support staff and agents of CMS have a wide range of experience in real estate financing in their particular specialties, varying from residential, apartment, and commercial lending. All hold current California mortgage licenses, with each having over Ten years of lending experience from working at various Banks and Financial Institutions. This assures you expert service from knowledgeable professionals, not from 'unseasoned' new companies entering the mortgage business because of an opportunity based on market trends.

CMS has some of the most competitive rates in the industry, with over 50 lenders and investors to choose from. So if one investor does not approve your loan we have other investors to choose from. This saves you time from reapplying with other lenders and incurring application, credit report, and appraisal fees.  The mortgage investor sources we correspond with have offices not only locally, but nationwide, providing you with prompt and flexible underwriting. 

For homeowners located in the Southern California we also have the ability to offer you excellent service through our Escrow Department on refinance transactions. This service is not only convenient but saves you time on the transaction as well as costs, which in some cases are nearly half the fee of typical escrow companies.

Please e-mail or call us at (866) 519-9317 and advise us concerning your request and the parameters you wish to operate under. We will be glad to answer any questions or furnish any information that you may have.

Thank you for considering CARPENTER MORTGAGE SERVICES for your real estate financing needs and Remember, there are NO UPFRONT COSTS to apply.