Deercreek Financial
Committed to You and Your Mortgage Needs!
PHONE:  909-941-0122 DIRECT: 
10700 Jersey Blvd #300, Rancho Cucamonga, CA 91730
Contact Us!
* Notes Required Fields
Image Verification
To help us cut down on spam, please copy the letters you see into the space provided, then click Submit.

Customers Are First

I am a professional and have the expertise in every facet of Real Estate (over 36 years) and I put it to work for you. Whether you are refinancing, buying or investing in Real Estate, my systems are streamlined, effective and technologically advanced and I get results! It is a given most homowners will probably have a mortgage for life. Through continued professional management of your mortgage, you will achieve the goal of the lowest possible mortgage cost. Together we will work on a planned and definitive mortgage repayment that should allow you to live debt free. The goal of every homeowner should be one of a "Debt Free Life!" I look for ways to save you money by not charging exotically named fees like other mortgage lenders.

VA Loan Expert

Over the last 36 years I have done many VA loans. I have the training and knowledge to handle our Veterans who have given much for our Country.

Get Fast Answers

At my website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan. Also, I will be happy to prepare a personalized mortgage quote for the home mortgage program of your choice. I can also prepare a Rate Watch Report for you based on your current mortgage data.




Many seniors today are looking for additional cash flow to:

  • Pay off loans / debts

  • Cover medical expenses and prescription costs

  • Fund home repairs or modifications

  • Supplement retirement and obtain greater financial freedom


Did you know that with a reverse mortgage loan you can access a portion of the equity in your home to help pay for your needs during retirement and continue to maintain your home ownership? Think about how much extra cash you’d have if you had no monthly mortgage payments[1]

You know me as we have worked together in the past. I am a reverse mortgage professional. Qualifying is easy! Call me today to see how much you qualify for!

Home Equity Conversion Mortgage (HECM), the most common reverse mortgage, is a federally-insured loan that, if you qualify, allows you to stop making monthly mortgage payments and begin receiving TAX-FREE[2] money, paid to you in one lump sum, in monthly payments or as a growing, standby line of credit when you need it. The funds generally do not affect social security, Medicare, or private retirement benefits[3]. And you have complete flexibility in how you decide how to use your loan proceeds.

The Federal Housing Administration (FHA) has implemented significant improvements to the HECM loan program that make reverse mortgages stronger and more secure than ever.

I’ve helped many seniors in the area, just like you, pay off their existing mortgage and enjoy their retirement to the fullest. Call me today at 909-941-0122 to see if a reverse mortgage is right for you! 

[1] If you qualify and your loan is approved, a HECM must pay off your existing mortgage(s). With a HECM, no monthly mortgage payment is required. Borrowers are responsible for paying property taxes and homeowner’s insurance (which may be substantial). We do not establish an escrow account for disbursements of these payments. Borrowers must also occupy home as primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan must be paid off when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, or does not comply with the loan terms. A HECM increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan).

[2] Loan proceeds are paid tax free; consult your tax advisor.

[3] Social Security benefits will not be impacted; however other benefits such as Medicaid or supplemental income, like government assistance, may be impacted.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.

BRE 01039943 NMLS 287852 BRE 00823614 NMLS 287426 

Jeffrey C. Tosha
Deercreek Financial
Ph: 909-941-0122
10700 Jersey Blvd #300
Rancho Cucamonga, CA 91730 US
Deercreek Financial - BRE ID: 01039943 NMLS 287852 - BRE ID: 00823614 NMLS 287426