About us

Headquartered in Fremont, Ca., Horizon Financial Associates is a full-service mortgage brokerage serving the San Francisco East Bay Area in Alameda and Contra Costa counties. Since 1988, Horizon Financial Associates has been dedicated to treating our clients like family – with the utmost attention to detail and customer satisfaction. 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. Making your dreams come true is the driving force behind our highly trained and talented team.
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As your brokers, we maintain relations with the wholesale departments of most of the nation’s largest mortgage lenders, and carefully track loan products and interest rates every business day. With hundreds of lender resources we can offer a much broader range of choices than any single lender could offer, and we give our clients the highest level of service available, dedicated to finding you the best loan for your situation, earning your trust and your business for life.

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.

Horizon Financial Associates has a deep sense of community and are current and past sponsors of Make-a-Wish Tournament TeamsSpecial OlympicsLittle League TeamsNewark League of Volunteers and Habitat for Humanity. We are dedicated to serving our community and being leaders in the residential and small commercial loan industry. We are your neighbors, your friends, your family, your local Realtors and knowledgeable Brokers.  

Some frequently asked questions

  • 1
    How do I learn about some of the different loan options?

    Take a look at our loan programs page to learn more about some of the available loan programs, or contact us for more information.

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  • 2
    What is the difference between pre-qualification and pre-approval?

    Pre-qualification is usually the initial step in the mortgage process. It involves providing a lender with basic information about your financial situation, such as your income, assets, debts, and credit score, whereas pre-approval is a more formal process that involves a comprehensive review of your finances by the lender.

  • 3
    Can I pay off my mortgage early?

    Yes, it is generally possible to pay off a mortgage early. Many mortgages allow for prepayment, which means you can pay off the loan before the scheduled end of the term. Get in touch with us for more information.

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