Steve Mancilla, a local mortgage banker, located in San Diego, California is offering to the families in San Diego County, California that have family members serving overseas for our Armed Forces a special free gift.

San Diego, CA -- (ReleaseWire) -- 12/20/2010 -- Steve Mancilla, a local mortgage banker, located in San Diego, California is offering to the families in San Diego County, California that have family members serving overseas for our Armed Forces a special free gift. Steve Mancilla wants to help by having these families come to his offices and record a three to five minute "Message to our Military" video on his equipment. The video will be sent to their loved ones overseas via email. The video itself is not sent but the link that they can click on will play the video for their soldier to view as many times as they wish.

"We are always trying to give something back to our community" states Steve Mancilla, brain child of the "Message to our Military" idea. We are currently offering Free Home Buyer seminars and workshops weekly. For Active military and Veterans eligible for VA Home Loans, we offer Free online workshops weekly. For Seniors, we have a special workshop educating them on the benefits of a Reverse Mortgage. Plus our website http://www.CalSteve.com is dedicated to giving as much information as possible to the public in the form of Free reports about having a healthy credit score and the home buying process.

"We are very active in our community and are always looking for more ways to help" said Steve Mancilla a mortgage banker with First Cal. He continued saying: "It only makes sense to use our technology to help the families in San Diego County that have loved ones serving our country abroad, send a video message to them from their families. I'm sure after the holidays it can get pretty lonely and quiet when you are so far away. What we would like to do is to offer this to more counties in time, then eventually the entire state."

Here's how it works: If you would like to send a free video to your family member that is serving our country in the armed forces, call The Offices of Steve Mancilla at 619-955- 6323 or email us at Steve@CalSteve.com and put "Message for our Military" in the Subject line. You will then schedule your time to come to the Offices of Steve Mancilla located at 501 West Broadway, 8th Floor, San Diego, CA 92101.

We look forward to sending your loved one a personalized one-of-a-kind message from you and your family. Please bring a valid email address of your proud veteran and we'll see you soon!

Steve Mancilla is a Certified Mortgage Planning Specialist specializing in residential government home loans as a mortgage banker with First California Mortgage Co. He brings over 10 years of industry knowledge and experience to his clients. He's had the privilege of assisting thousands of clients not only achieve their dream of homeownership, but also professionally manage their home loan debt in a way that takes advantage of any market shifts to save enormously.

If you would like more information or schedule a FREE Consultation please contact the Offices of Steve Mancilla at 619-955-6323 or email Steve at Steve@CalSteve.com For FREE Online Home Buyer workshops, visit http://www.CalSteve.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

San Diego, California based Mortgage Banker Steve Mancilla reveals mortgage refinancing secrets at a new web site that is full of free reports, a home buying guide and free mortgage calculators. The site is designed to give California residents all the facts about mortgage refinancing so they can make an educated decision when obtaining a mortgage.

San Diego, CA -- (ReleaseWire) -- 11/08/2010 -- It seems like everyone in California is jumping on the mortgage refinancing bandwagon. Maybe you're thinking about it yourself? After all, with rates as low as they are, the promise of lowering your monthly payments, sometimes significantly, is a great attraction for many homeowners.

But before you sign on the dotted line, there are a few things you should know about the way refinancing works so you don't make a mistake that could wind up costing you big time.

"With refinancing as popular as it is right now, California residents have to be even more careful about shopping for the best loan," says Steve Mancilla, Certified Mortgage Planning Specialist & a San Diego, California based mortgage consultant. "Even the most attractive offer can wind up being a disaster once you realize how much the loan is really costing you."

Mancilla offers these tips when considering refinancing:

* You should get a TOTAL COST ANALYSIS in order to get the full picture & make sense of all of the elements associated with refinancing. Such as, what are the equity ramifications 3, 5, 10 years from now? Don't rush to refinance unless it's truly worth your while. If you're working with a true mortgage professional, they will have no problem providing this to you.

* Consolidating unsecured debt with a refinance loan can be a dangerous idea. You may not be in financial trouble now, but if in a few years things change, instead of simply missing a credit card payment or two, you'll now be in danger of losing your home as well.

* Your credit score counts... big time. If you've had credit problems in the past like a bankruptcy, it might make sense to wait a while for your credit score to recover before trying to refinance. Most lenders make it hard for people with less than perfect credit to get the best deals. But, again, if you choose to let an expert mortgage professional get involved in the process, they can often find loan options that most homeowners didn't even know existed - which can save you thousands over the long haul.

San Diego, California - based mortgage expert Steve Mancilla specializes in providing mortgage information to California residents that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Steve Mancilla is available for interviews and will welcome all your mortgage related questions.

Call (619) 955-6323 for a Free No-Obligation Consultation or visit http://calsteve.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm