Business Details
24 Years
experience
Your Trusted Mortgage Partner in Pleasant Hill, CA
Avenir Mortgage Planners has been dedicated to helping clients achieve their dream of homeownership since 2002. Our team of passionate professionals brings expertise and integrity to every mortgage transaction, specializing in purchase and refinance solutions tailored to individual needs. With over 20 years of experience and a track record of 3000+ completed loans, we pride ourselves on delivering faster, smoother loan closings while securing the lowest interest rates available. Our commitment to excellence is reflected in the 600+ five-star reviews from satisfied clients across the San Francisco Bay Area. We operate with a core philosophy centered on altruism, vision, and respect, ensuring every client feels valued and supported throughout their journey. Our unique process eliminates closing costs for eligible clients, and we guarantee timely closings, transparent communication, and personalized guidance.As a mortgage brokerage, we leverage relationships with top lenders to offer diverse loan programs, including conventional, FHA, VA, and jumbo financing. Our team's dedication to continuous education and client-centric approach has earned us a reputation as a trusted partner in the home financing process. We prioritize clear communication, proactive updates, and comprehensive education to demystify mortgage transactions for first-time buyers and seasoned investors alike. This unwavering focus on client satisfaction has resulted in a strong referral-based business model, with nearly 100% of our growth stemming from satisfied clients and industry professionals.
Services
Purchase Loans
Refinance Loans
VA Loans
FHA Loans
Jumbo Loans
Conventional Loans
Investment Property Loans
Debt Consolidation Loans
Adjustable Rate Mortgages
Fixed Rate Mortgages
Details
- Year established: 2002
Highlights and features
- We have 20 years of experience in mortgage planning and 3000+ completed loans.
- Our team of certified mortgage planners provides personalized service.
- We guarantee the lowest interest rates and no closing costs for eligible clients.
- We offer a unique process for faster loan approvals and closings.
- We provide transparent communication with no hidden fees.
Associations and certifications
- NMLS
- DRE
What people say
Proactive communication
No closing costs
Expertise in complex cases
Timely loan approvals
Personalized service
Services
Purchase Loans
We specialize in purchase loans for primary residences, vacation homes, and investment properties. Our process includes pre-approval, rate locking, and timely closings with transparent cost breakdowns. Clients benefit from competitive rates, flexible down payment options starting at 3.5%, and expert guidance through every step of the home buying journey.
Refinance Loans
Our refinance solutions help clients reduce monthly payments, secure fixed rates, or access home equity. We offer no-cost refinancing options where we cover appraisal and title fees. The process includes rate comparison across multiple lenders, personalized strategy sessions, and guaranteed closing timelines to ensure financial benefits for homeowners.
VA Loans
We provide VA loan programs for eligible veterans and service members with 0% down payment options. Our specialists guide clients through VA-specific requirements, entitlement verification, and streamlined approval processes. This service includes access to competitive rates and specialized support for first-time VA loan applicants.
FHA Loans
Our FHA loan program offers 3.5% down payment options for first-time homebuyers and those with lower credit scores. We assist with FHA-specific requirements, mortgage insurance calculations, and pre-approval processes. This service includes education on FHA loan benefits and access to competitive market rates.
Jumbo Loans
We offer jumbo loan solutions for high-value properties exceeding conventional loan limits. Our experts provide tailored underwriting guidance, competitive rate comparisons, and specialized documentation support. This service caters to clients seeking financing up to $3 million with flexible qualification criteria and personalized rate negotiation.
People
Greg Lartilleux
Broker / Owner
With over 20 years of mortgage experience, Greg specializes in complex loan scenarios and personalized financing solutions. He focuses on transparent communication and has helped clients secure financing in challenging situations, including post-foreclosure cases and investment property purchases.
Brent Lloyd
Loan Manager
Brent manages loan operations with expertise in client communication and process efficiency. He ensures timely document processing and maintains relationships with title companies to streamline closing procedures for residential mortgage transactions.
Lisa Levi
Loan Partner
Lisa specializes in loan approvals and client education, focusing on first-time homebuyer programs. She provides detailed guidance on down payment requirements and helps clients understand mortgage terms and conditions throughout the loan process.
Ellice Kaminsky
Mortgage Planner
Ellice assists clients with mortgage planning strategies, including rate comparisons and loan program selection. She focuses on personalized service for clients seeking conventional and government-backed loan options with competitive terms.
Cedric Cermal
Mortgage Planner
Cedric specializes in mortgage planning for investment properties and complex financial situations. He provides tailored advice on loan structuring and helps clients navigate unique financing challenges with customized solutions.
Questions
What types of mortgage loans do you offer?
We offer conventional, FHA, VA, jumbo, adjustable-rate, and fixed-rate mortgages for primary residences, vacation homes, and investment properties.
How can I get pre-approved for a mortgage?
Complete our online application and provide income and asset documentation. We'll review your financial situation and provide a pre-approval letter within two weeks.
Do you offer no-cost refinancing options?
Yes, we offer true no-cost refinancing where we cover appraisal, title, and lender fees without adding them to your loan balance.
What are the minimum down payment requirements?
VA loans require 0% down, FHA loans need 3.5%, conventional loans start at 3%, and jumbo loans vary based on specific programs.
How long does the mortgage process take?
Purchase loans typically close in 21-30 days, while refinances complete within 30 days with our streamlined process and dedicated support.
Do you serve areas outside Pleasant Hill?
We primarily serve the entire San Francisco Bay Area, including surrounding counties and communities within Northern California.
