LBE Inc Dba Alfa Investments & Loans


Toll Free: 888. 600.7577

Call Monday thru Sunday

We are licensed Mortgage Loan Originators with over 12 years experience that can help you with your next mortgage loan pre-approval - Refinance or Purchase

Programs: FHA, Conventional, VA, Harp2.0, Streamline,
Jumbo Loans, 105% Payment assistance programs and 
many more with fico scores as low as 500+ * Restrictions Apply


Our goal is to offer the best Real Estate services and bring you extremely competitive mortgage rates in minutes. Our wide selection of loan products help us provide the perfect mortgage fit for your specific Real Estate finance needs.

Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.

Whether you need help with a Purchase Loan, refinancing for a debt consolidation loan or you have bad credit, we are your complete mortgage solution for refinance and purchase transactions. Need cash out? Debt consolidation, cash out, and low interest rates are our specialty, regardless of bad credit, foreclosures, or bankruptcy.

We know that you have specific needs and we strive to meet those needs with a wide array of refinance and purchase products and most importantly, quality service and individual attention. We can help you resolve your bad credit, bankruptcy, and foreclosure issues.

All we need is a few minutes to determine how we can save you money and improve your current mortgage rate, payment, and financial well-being. Please call us or submit an online application and a representative will be happy to help you. You may also evaluate your different financing options by using our interactive calculators to compare various mortgage scenarios.



Can I refinance or purchase if I have a:


1. Bankruptcy

 2. Foreclosure  3. Short Sale


Yes - Call for Details - Certain restrictions applies.



Can I ever Purchase if I have bad or no credit at all?


1. Yes - We can advise you on your options.


2. Make the call that will start you

on your way to your home purchase.

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© 2002 - 2025 by Joe Cerros. All rights reserved.  Mortgage Loan Brokers & Direct Lenders

Licensed by California Bureau of Real Estate-Real Estate Brokers: BRE 01356767, NMLS 240041. LBE Inc. DBA Alfa Investments and Loans . BRE 01856458 , NMLS 328663 -Business In CA only.

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