Business Details
7 Years
experience
Emergency
services
Your Trusted Mortgage Broker in Torrance, CA
At Breakwall Real Estate & Loans, we pride ourselves on delivering tailored real estate and mortgage solutions to meet the unique needs of our clients. With over 26 years of experience in the industry, our team specializes in navigating complex transactions, including title issues, probate cases, foreclosure bailouts, and unconventional financing. Our founder, Henry Munoz, holds dual expertise as a licensed real estate broker and mortgage loan officer, complemented by paralegal training, ensuring comprehensive support for every client.We prioritize transparency, integrity, and personalized service, leveraging access to wholesale lending markets to secure competitive rates. Our commitment to resolving challengesfrom trust-related property disputes to emergency fundinghas earned us a reputation as a trusted partner in Southern California's real estate and lending landscape.
Services
Mortgage Loans
Real Estate Transactions
Refinancing Services
Title Issue Resolution
Foreclosure Bailout
Probate Loans
Commercial Financing
Reverse Mortgages
AB68 Loans
Equity Real Estate Loans
Details
- Year established: 2019
Highlights and features
- We offer 26 years of experience in real estate and mortgage lending.
- Our team accesses exclusive wholesale lending programs unavailable to the public.
- We specialize in resolving complex transactions others deem too risky.
- Our 24/7 availability ensures timely support for urgent client needs.
- We combine real estate, mortgage, and paralegal expertise for holistic solutions.
What people say
Professional and knowledgeable
Saved us thousands
Smooth transactions
24/7 availability
Expertise in complex cases
Services
Mortgage Loan Origination
We originate residential and commercial mortgage loans with access to exclusive wholesale programs. Our services include conventional, FHA, VA, and specialized financing options. We excel at securing approvals for clients turned down by traditional lenders, leveraging our broker network to find tailored solutions. Our team guides borrowers through every step, from pre-approval to closing.
Real Estate Transactions
We handle residential and commercial property sales with expertise in complex scenarios. Our services include property valuation, title verification, buyer qualification, and negotiation. We ensure smooth closings by addressing appraisal issues and coordinating inspections. Our dual licensing as real estate brokers and mortgage lenders provides unique advantages in transaction management.
Refinancing Services
We specialize in mortgage refinancing to reduce rates, lower payments, or access equity. Our clients benefit from competitive wholesale pricing and streamlined processes. We address title issues during refinancing and help clients improve credit profiles. Our team ensures transparent communication throughout the refinance timeline.
Title Issue Resolution
We resolve title clouds, probate transfers, and uninsured deeds through legal partnerships. Our services include title report analysis, trust administration, and lien resolution. We work with title companies to clear issues affecting financing or sales. This expertise prevents transaction delays and protects client investments.
Foreclosure Bailout
We provide emergency financing solutions for homeowners facing foreclosure. Our services include loan modifications, short sales, and rapid refinancing options. We collaborate with lenders to negotiate terms and prevent property loss. Our proactive approach has saved numerous clients' equity through timely interventions.
People
Henry Munoz
Broker and Loan Officer
With 26 years in real estate and mortgage lending, Henry holds California Real Estate Broker license #01786680 and NMLS #228855. A certified paralegal, he specializes in complex transactions, including trusts, probate, and foreclosure cases. His military service as a medic instilled discipline that benefits client problem-solving.
Questions
What mortgage loan options do you offer?
We provide conventional, FHA, VA, USDA, jumbo loans, and specialized programs like AB68 accessory dwelling unit financing.
Can you assist with title issues?
Yes, we specialize in resolving title clouds, probate transfers, and uninsured deeds through partnerships with legal experts.
Do you work with first-time homebuyers?
Absolutely. We guide first-time buyers through loan approval, credit improvement, and down payment assistance programs.
What areas do you serve?
We primarily serve Southern California, including Torrance, Lomita, San Pedro, and surrounding counties.
How do you handle emergency funding needs?
Our access to private mortgage funds and rapid underwriting process enables quick financing solutions for urgent situations.
Are your services available online?
Yes, we offer digital mortgage applications, virtual consultations, and secure document submission for client convenience.
