ZIP home

Meet Ryan Allen and Jeff Cosmos – experienced Loan Advisors serving the Greater Palm Springs area and providing California mortgage lending services statewide. With over 30 years of combined experience in the home loan industry, Ryan and Jeff offer expert guidance to homebuyers, investors, and homeowners seeking the best mortgage rates and financing options.

Whether you’re a first-time homebuyer, a seasoned real estate investor, or looking to purchase your dream home in California, we have the knowledge and expertise to help you find the ideal loan solution.

We also specialize in leasehold land properties, offering in-depth knowledge of the lease land home buying process. If you're interested in purchasing leasehold properties in Palm Springs or surrounding areas, we can guide you every step of the way.

What sets us apart from traditional online mortgage lenders? Competitive interest rates, personalized service, and a commitment to on-time closings. With direct access to Ryan and Jeff throughout your home buying experience, you can count on unparalleled support and service from start to finish. Our focus is on making your home loan process smooth and efficient.