Joanne Mullins is the Mortgage Consultant and Owner of California Home Loan Center.  She started her lending career in 1998 with Pacific Republic Mortgage, currently known as GMAC.  She consistently became one of the company's top producing loan officers.  Her record volume for the past two years has been 97% purchase business.  Joanne's business is 100% referral, due to the strong relationships she has grown and maintained with her business partners, clients and internal network.  With many years and wide range of experience in the mortgage industry, Joanne and her dedicated team are ready to assist you each step of the way.  Our goal is to make the loan process as simple and worry-free as possible. Our vast programs and commitment to personal service instilled an unmatched level of confidence in our clients.  We understand that every borrower is different, and we offer a variety of special mortgage lending programs for borrowers with A-D credit.  We deliver loan solutions tailored to your needs and make the process of securing a mortgage simple and straightforward.  No matter what mortgage solution you need, by putting you first, we assure you'll receive our honest service and commitment.