Are you a first time buyer? Are you looking to refinance your current loan? Interested in commercial real estate? Need a Private Lender? Then you've come to the right place! 

What We Do

Excel Credit & Financial Services does more for their clients than just point them in the right direction and assist in tedious paperwork. We have been a predominant catalyst in serving the region in Real Estate assessment, acquisition, credit repair, lending, financing, and refinancing mortgages, as well as commercial real estate. 

Real estate
Real estate
Commercial Real estate
Real estate

Our experience, diligence, dedication, and candor has proved to be a valuable asset to our clients, for we have seen worrisome rising issues with buyers purchasing homes blindly. Blindly, is what we refer to a purchase of a property that had housed prior criminal residents which had caused problems and safety concerns for future residents of that same property.  With the real estate market being filled to the rim with so many foreclosures, short sales and residential flips, buyers are rarely aware, and or notified of the history of most of the properties offered for sale.


Excel Credit & Financial Services is transparent with all of our clients and puts forth the effort to ensure that each and every client gets the best possible service, delivering on our promise to help you achieve your financial goals with ease. 

Refinancing Home Loan

Find Your Service Needs & Let's Get Started!

Refinance mortgage

Our home loan specialists have the mastery to help first-time home purchasers and entrepreneurial purchasers investigate their short-and long term objectives to settle on the most astute financing choices.

You made it through the hardest part: buying a home. Now, perhaps just a few years later, you’re ready to refinance your mortgage. How hard can it be? You may be surprised to find that it’s not a couple-of-emails and a-phone-call-or-two process. In fact, there may be more paperwork involved this time around than when you first bought.

A cash-out refinance is a replacement of your first mortgage. The interest rates on a cash-out refinancing are usually, but not always, lower than the interest rate on a home equity loan. You pay closing costs when you refinance your mortgage. Generally, you don't pay closing costs for a home equity loan.

Fix Your Credit

Our Credit Repair Specialists are up-to date on all current credit laws and are guaranteed to improve your credit ratings. We assist consumers in exercising their rights under the Fair Credit Reporting Act (FCRA), the Fair and Accurate Credit Transactions Act (FACTA), Fair Credit Billing Act (FCBA), Fair Debt Collection Practices Act (FDCPA) and the Consumer Protection Credit Act (CPCA).

Private Money Loans 

Private money lending is the business of lending capital for investments secured through various vehicles, such as real estate. There are 2 ways to obtain capital: through personal investors or through private lenders. Personal investors could be individuals with direct capital (ie- friends and family) or groups of individuals who pool their money together to fund loans. Private lenders are companies who manage their capital and issue loans, similar to a bank.


A legitimate debt and financial management company does not charge you upfront fees. Our initial consultations are free. We will have a debt professional talk with you to discuss how you can approach your debt management and financing plan effectively.

Commercial Real Esate

Commercial Real estate
Commercial Real estate
Commercial Real estate
Expert Services

Our company is well trained and specialized in the field of Credit, Financial, Real Estate, Mortgage, Loans, and Commercial Real Estate.


Top Quality

Our services will deliver the best quality results and we know that you will think the same as soon as you give us a try.



Talented Staff

Our team members are experts. A great team is essential for success.  We will surely help you maximize your goals and opportunities.

Competitive Rates

We offer thorough services and practices producing quality results at competitive rates. We have all the resources to assist you in building the financial presence you desire.


Local Clients Can Find Us

Excel Credit & Financial Services

26163 Shadow Rock Ln

Valencia, CA 91381

Commercial Real estate

CA BRE# 01862907  

 NMLS# 1137660

Real Estate / Excel Credit & Financial Services
Real Estate / Excel Credit & Financial Services
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