Business Details
29 Years
experience
Emergency
services
Expert Mortgage & Real Estate Solutions in Torrance, CA
Breakwall Real Estate & Loans has been dedicated to helping clients achieve their homeownership and investment goals for over 26 years. Founded on principles of integrity and client-centric service, we specialize in connecting borrowers with tailored mortgage solutions, including conventional, unconventional, and commercial financing. Our team leverages extensive industry experience, a robust network of wholesale lenders, and a deep understanding of real estate transactions to navigate complex scenarios such as title issues, probate, foreclosure bailouts, and debt consolidation.As a licensed real estate broker and mortgage loan originator, we prioritize transparency, personalized guidance, and innovative problem-solving to ensure clients secure the best possible terms. Our commitment to excellence is reflected in our track record of resolving challenging cases and fostering long-term relationships built on trust and results.
Services
Mortgage Loans
Commercial Real Estate
Reverse Mortgage
Title Issue Resolution
Debt Consolidation
Foreclosure Bailouts
Probate Loans
Home Improvement Financing
Divorce Buyouts
Investor Loans
Details
- Year established: 1997
Highlights and features
- We offer 26 years of experience in mortgage and real estate transactions.
- Our team accesses exclusive wholesale lending programs unavailable to the public.
- We specialize in resolving complex cases like title issues and foreclosure bailouts.
- Our services combine real estate brokerage, mortgage expertise, and paralegal support.
- We provide personalized guidance with a proven track record of client satisfaction.
Associations and certifications
- California Department of Real Estate
- National Mortgage Licensing System (NMLS)
- Arizona Department of Financial Institutions
- Washington State Department of Financial Institutions
- County of Los Angeles Legal Document Assistant Program
What people say
Saved us money
Smooth escrow process
24/7 availability
Resolved title issues
Highly recommend
Services
Mortgage Loans
We provide residential mortgage solutions for purchase or refinance, including fixed-rate, adjustable-rate, FHA, VA, and jumbo loans. Our access to wholesale lenders ensures competitive rates and tailored terms for clients with unique financial profiles.
Commercial Real Estate
Specialized financing for commercial properties, including non-owner-occupied residences, mixed-use buildings, and industrial complexes. We offer asset-based lending with flexible documentation requirements and terms up to 20 years.
Reverse Mortgage
Reverse mortgage solutions for seniors to convert home equity into tax-free funds. We guide clients through the process to ensure financial security while maintaining homeownership.
Title Issue Resolution
Expert assistance with clouded titles, probate, and lien removal to facilitate smooth real estate transactions. Our team coordinates with title companies and legal professionals to resolve complex ownership disputes.
Foreclosure Bailouts
Emergency funding and loan restructuring services to stop foreclosure proceedings. We leverage private investment partnerships to provide rapid solutions for homeowners facing notice of default.
People
Henry Munoz
Real Estate Broker & Mortgage Loan Officer
With 26 years of experience in mortgage lending and real estate, Henry Munoz holds licenses as a California Broker, Mortgage Loan Originator (NMLS 228855), and Legal Document Assistant. He specializes in resolving complex transactions and has authored a guide on divorce-related real estate strategies.
Questions
When should I consider refinancing my mortgage?
Refinance when rates drop 1-2% below your current rate to reduce payments. Even smaller reductions can yield savings depending on loan amount and term.
What are discount points and should I pay them?
Points lower your interest rate by prepaying interest. Pay points if you plan to stay in the home for several years to recoup costs through lower payments.
How does your service differ from traditional banks?
We access wholesale lenders and private investors unavailable to the public, offering flexible terms for clients rejected by big banks due to credit or documentation challenges.
Can you help with commercial property financing?
Yes, we specialize in commercial loans for non-owner-occupied properties, mixed-use buildings, and industrial complexes with asset-based lending and limited documentation options.
What documents are required for a mortgage application?
Provide pay stubs, W-2s, tax returns, bank statements, property details, and debt information. Self-employed applicants need profit-and-loss statements and partnership tax returns.
How do you handle title issues during real estate transactions?
We conduct title reviews, coordinate lien removal, and resolve probate or foreclosure complications to ensure clear ownership transfer before closing.
