"When experience COUNTS"

CONTACT US
for Pre-Approvals/LSRs/or Loan Applications
Days, Nights, and Weekends

We have a Loan Originator on-call at
623-340-0934
to be of service to help YOU or
you may email us by clicking on the Loan Originator's photo!

The American dream is still alive and well! The combination of home prices and interest rates are more attractive today than anytime from 1967 through 2011.

For most families, choosing a new home is the biggest financial decision they will ever make. There are many complicated decisions involved in choosing your new home. To protect your interests and assure that you make the best possible decisions, it is important that you have a mortgage advisor on your side who is an expert in the various loan programs that are available and can refer you to professional, trained, local real estate Buyer's agents who will work for YOU the buyer. We are on your side. We will help you obtain the best mortgage for you so you can concentrate on getting ready to move in! From first time home buyer loans to jumbo home mortgages we offer multiple dozens of loan programs to help you unlock the doors to your new home.

Get Fast Answers
In this website you can find tools available to answer virtually any mortgage question. If not, please contact us via telephone or email or fill out one of our contact forms on the website.

Please navigate our web site to learn more about us, what we can and will do for you, and how important it is to get started right away.

You can to go click on the Mortgage Application tab at the top of the website to start your loan process. After you have applied online, you can fax (secure efax) your support papers to 623-218-1807. For a list of papers to gather Click Here.

Once your Loan Pre-Qualification is finished, your next step is Pre-Approval. Korene and the entire klcsloanteam will review your application and submit your financial paperwork that you have gathered along with your application to the underwriting team & get you a written pre-approval giving you the clout of a cash buyer. To Apply Online, Click Here.

Call or email us to discuss your financial goals. It will soon become evident to you and all involved in your home buying transaction, that Korene Clopine-Seaman, the KLCSLoanTeam, and translate to the Best Mortgage for Me, the Client"!

Customers First
With all the various loan programs, rates, and lender fees out there, you could easily get lost trying to figure out the best loan program and options for you and your family. Confused by all the loan programs from which to choose? Our Loan Program page will help you understand the various types of loan programs. Korene will prepare and explain a personalized mortgage quote for each mortgage program and the pros and cons plus detail the requirements so you can make an informed and logical choice regarding your mortgage.

Through WJB, we offer a range of competitively priced products designed to meet the varied needs of today’s home buyers, regardless of how basic or complex those needs may be. Our loan programs include:

• Conforming loans with adjustable rates

• Interest-only options

• Non-conforming jumbo loans

• Government programs

– FHA fixed rate

-- FHA Energy Efficient Program Loans

-- FHA Good Neighbor Program Loans for teachers, firemen, police officers, EMTs, etc

--FHA 203k rehab, repair, rebuild loans

– FHA adjustable programs

– VA loans

-- USDA loans


We understand there is no one-size-fits-all solution. Our loan programs help clients with a wide range of needs, including:

• Home financing for a new home or investment property

• Cash-out refinance to help tap into equity in your home

• Refinance to a fixed mortgage from an ARM to help ease rising mortgage payments

• Government-insured loan programs for those with lower credit scores


More important to us than anything else is to help our clients understand, know, and be happy with the mortgage loan we helped them obtain. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to get a new home mortgage, refinance for a lower mortgage rate, obtain a home equity loan or a second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable and financially realistic transaction.


Let us help you get the best mortgage loan for you! You can trust us to find the loan program that is best for you. We understand you are making a major financial commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you. We will help you apply, qualify, and be approved for the mortgage loan right for you, not anyone else!

Simply Better Communication

We recognize how important communication is in our daily lives, so we make certain we effectively communicate with our customers, business partners, and our co-workers. Time is another thing that appears to have significance to all of us and for some reason we never have enough of it. So we asked ourselves; “What can we do as a company to address these two areas: to help our employees effectively disseminate information and manage their time at work?”

Our loan professionals utilize this tool to enhance the loan process experience for both their borrowers and their REALTOR® and business referral partners.

This tool provides all of the benefits of a world-class CRM allowing you to:

track new opportunities
follow loans in progress in real time
create follow up tasks and email reminders
log and archive events, emails, faxes, phone calls and meetings
manage your past client database
run reports
perform mail merge
And, because we integrate our software and the loan applications, we provide you with a seamless process from the first phone call through funding.

Once you have submitted a loan package to processing, event-triggered auto-generated emails are sent out to the borrower(s) as well as to business partners on your behalf, keeping everyone informed and up-to-date on the status of the loan.

Established Credibility

Korene Clopine-Seaman is NMLS licensed and certified in Arizona and California® Korene has many years of experience, knowledge, and training working in this industry in such residential programs as conventional loans, First Time Home Buyer (FTHB), FHA, VA, USDA, High Balance as well as jumbo loans and commercial loans. All the services for personal mortgage banking. She can say with confidence that she will get the job done right for you. Whatever your financing needs, we have the loan that is right for you. Working with Korene are a team of mortgage professionals to assist you from loan coordinators, loan openers, mortgage processors, mortgage underwriters, doc drawers, funders, closers and customer service support staff to assist you in obtaining the mortgage that is best for you and fits your goals, needs, desires, and financial situation.

Buying Now

Before you start home shopping, get Pre-Qualified. Pre-qualification is necessary for a proper LSR that your real estate Buyer's agent needs to submit with any offer you write to purchase a home. After you have finished talking to us, you will have a good knowledge and understanding of how much you can qualify for.

You can trust the klcsloanteam to find for you the mortgage loan that best fits your needs. Korene Clopine-Seaman, the KLCSLoanTeam, will help you get the mortgage you need and the dream you want to live. "Less unnecessary paperwork & more personal attention" means you enter a frustration-free zone from application to decision.


Refinancing Now

We offer the Home Affordable Refinance Program providing up to 1 million homeowners who have loans owned by Fannie Mae or Freddie Mac an opportunity to refinance even if your home is upside down in value up to 125% of it's current value! Check your Home's Value for Free - To start your refinance, Click Here.

Tapping into your home equity is requiring much more thought and planning than ever before. You have been paying down your balance, but property values have gone down! Do you Tap into that asset and have cash reserves for this economic season. We will help with the best program to fit your goals. Let our experienced professionals do the work so you do not have regrets later! If your desire is to either lower your payments or pull some cash-out, you have come to the right place! We will help you take advantage of the super low interest rates offered today so that you will meet your short and long term financial goals of the future! Trying to decide if now a good time to refinance is? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? You can use our Debt Consolidation Mortgage Calculator.

As with anything that someone wants to achieve, there are usually several ways to go about reaching the goal. One of the most important steps that is often overlooked is preparation. Conducting ample research and asking proper questions to help focus on your the goals on what exactly is to be obtained, why you are purchasing or refinancing this property, how you want to use it, what are you long term goals, needs and wishes and what actions must be initiated to obtain it. "It" could be a short sale, pre-foreclosure, REO (bank owned), condo, townhome, mansion, investment property, first time home, etc purchase. There is a lot of information on this website alone to help guide you in the right direction and help answer all of these questions to help you as we work to help you obtain the financing you will need.

There are many opportunities for successful real estate purchases, investing, and financing. Whether this is for a first time home, an investment property, a second home, a commercial property, or you are looking to take advantage of the existing market and economy, all real estate purchases are daunting and very consuming; especially if it's being played by ear. If you have any questions along the way I am here to answer your questions, give you guidance, direction, and to help you either directly or by referral for everything you will need to successfully and effectively acquire the real estate through financing.

Now one major area of concern people have asked is "how much will it cost me to sit down with you and go over some of these ideas and powerful tips regarding financing and financing?" All consultations, questions, emails, or referrals are absolutely free of charge and no obligation. My income comes after we have disclosed and discussed all aspects of the transaction and when the financing is complete. Now, this is not to say that costs can not and should not be part of the negotiated to be covered in the purchase contact. I will work along side you and your buying agent or buyer broker.

If you just simply want an idea of what is available and how you stand on your current mortgage, I have a free mortgage tune-up that we can go over as well as the various mortgage reduction and debt reduction programs that are available. Do you want to get out of debt and start putting money in your pocketbook as opposed to someone else's? Ask us about the Debt reduction programs, today. If you want information or referrals for various real estate professionals, contractors, remodelers, insurance and advisory professionals, I have a number of them listed on this website and I will be pleased to explain the specialties and to make a personal recommendation and referral for you. I would be more than happy to answer any and all of your questions regarding real estate financing, mortgages, mortgage programs, and debt reduction programs.

Help, Assistance and Guidance
Along with all of the detailed information and sections on the KLCSLoanTeam's website, we are available for mortgage reviews, analysis, and discussions.

WITH Korene as YOUR Personal Mortgage Banker, You can be assured that:

1. You will have a full and understandable explanation of the loan programs that are available and that you are qualified for.

2. You will be informed and guided through the entire loan process, from finding what programs are available, determining what payments you can afford and comfortably make , and what programs meet your financial goals all while purchasing the real estate and home you are wanting to purchase.

3. Your financial and personal information will be safeguarded, secure, and kept confidential.

4. You will not pay too much for your new home because the financing was a cookie cutter loan but a loan that fit you, your qualifications, and your goals. As a mortgage loan expert, we will help our clients and work with their real estate professionals as they negotiate and make home purchase decisions every day. We can and will help you avoid costly mistakes.

5. We will answer all of your questions about the financing market place and keep you as informed as you wish to be in the future, when your mortgage is in place. This is not just about mortgages but about referral professionals, financing and real estate information and commonly needed information about neighborhoods, the schools, the local economy and much more by way of my blog, newsletter, website reviews, etc.

Let Korene and the KLCSLoanTeam help you obtain your next mortgage and assure your best interests are protected throughout the entire process. Feel free to call or e-mail me with any questions you may have at any time. Fill out the form as the bottom of this page or one of the forms listed at the upper right hand side of this page. I will get back to you with the right answer as quickly as possible.

We specialize in implementing mortgage planning for our clients. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan!