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Horizon Financial Associates

We are a full-service mortgage brokerage serving the San Francisco East Bay Area in Alameda and Contra Costa counties.

George Duarte

George L. Duarte • MBA, CMC, CMHS
DRE Personal Brokers Lic. No. 00943635
Personal Lic. No. 302219

Client-Focused

Our focus as a company is serving our clients the best we can.

Results Oriented

We strive to streamline the at times overwhelming mortgage process.

Tackling challenges

Have a more complicated situation? We'll find the right solution for you.

Experienced Team

You'll work with our highly experienced and communicative team.

We are pleased to be your comprehensive source for all of your home financing needs –

From a first home, to investment property, construction loans, cash out refinances, equity lines of credit and reverse mortgages.

How Does It All Work?

Once you share your requirements with us, we'll leverage our expertise to suggest suitable options. Collaboratively, we'll submit your application, collect required documents, and move forward with the loan processing.

Why Work With Us?

We are proud to be the best choice as your professional San Francisco Bay Area guide in the world of home and small commercial financing. Consistently awarded over the years for outstanding customer service from the Better Business Bureau, Horizon Financial Associates has also been rated #65 of Loan Brokerage Firms Nationwide (Loan Origination News, 2003).

 

As long-standing members of the Fremont Chamber of CommerceCalifornia Association of Mortgage Brokers and National Association of Mortgage Brokers, we maintain high levels of responsibility, accountability and stability. The majority of our new business comes from client referrals, and with good reason.

 

NAMBLending Integrity

Take a look at what our clients say!

I have had the pleasure to work with George Duarte on numerous transactions, somewhere in the twenty transaction range, and I have always found George dedicated to his craft, clientele, and a skilled professionalism. George has proved this to me time and time again!
George is experienced, knowledgeable, and dedicated to finding the best financial package for my clients and me! Thanks George for all your help over the years!

Rick R.

I would highly recommend George if you are thinking about a new loan. He is direct, sincere and knowledgeable. I have referred many people to him and he has come up with many solutions. I recently used his services and found that he is a good as advertised.

Brandon S.

I just completed my refinance with George Duarte. His professionalism was outstanding. He is knowledgeable and his experience was amazing. George worked with me through a very challenging refi and never gave up. He was patient and answered all my questions in terms easy for me to understand. His generosity of time and keeping costs down were unpresidented. I can give my highest recommendation for George and Horizon Financial.

Carrie W.

I have negotiated two re-fi's with George in the past few years and I would easily call him again. His professionalism, warm manner, and patience with my lack of knowledge in some areas of the re-fi were greatly appreciated. In addition, George kept my costs as low as possible and the rate he secured for me was amazing. In addition, the title company we worked was also easy to work with and very accommodating. All around a great experience.

L. P.

I have had Horizon do a few loans for me, George is Great! He finds out what your needs are. Explains the different loans available, what documentation will be needed and how long the process should take. And it pretty much goes the way he explains it, no oh by the ways. It is refreshing to still find a person out there who knows his business.

Guido P.

Latest news

Stay updated with the latest trends and digital news by reading our articles written by specialists in their industry.
What’s Ahead For Mortgage Rates This Week – May 20th, 2024

The prior week showed a surprising display of inflation, in that for consumers, it was less than expected. This is giving way to some optimism that inflation is on the right track to being under control.

On the other end of the spectrum, for producers, inflation had shown to be slightly higher than expected. But the far higher impact of the two reports is the Consumer Price Index.

The Federal Reserve had still stuck to their stance as from the last FOMC opting to withhold any rate reduction decisions until late in the year, but the data coming in largely on a positive note has changed the previously highly negative outlooks into a neutral stance.

Read more
Escrow Analysis: Your Key to Understanding Mortgage Payments

Escrow might sound like a fancy term, but it’s not rocket science. Let’s break it down into simple terms. In simple terms, an escrow analysis is a review of your escrow account conducted by your mortgage lender.

Read more
Exploring Home Improvement Loans

Want to upgrade your home but short on cash? Home improvement loans can help! They’re like a financial boost for fixing up your place without draining your savings. But with so many options, how do you pick the right one? Let’s review the options.

Read more

Ready to reach out and talk?

Our ability to deliver outstanding results for our clients starts with our team of smart and capable experts.

39488 Stevenson Pl Ste. 100
Fremont, CA 94539

Email: georgelduarte@gmail.com
Cell: (510) 377-9059
Give us a call anytime. We try our best to answer all inquiries within 24 hours on business days.

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