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C&S California Capital
1041 E. Baseline Rd
Claremont, CA 91711

NMLS #1850/1155129
Licensed in California, Oregon, Washington, Idaho, Arizona, Colorado, Texas, Minnesota, Tennessee, Virginia and Florida.

Not Available in New York

(626) 653-1800
decychner@cscaliforniacapital.com

Equal Credit Opportunity

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© 2026 C&S California Capital is a Division of American Pacific Mortgage Corporation (NMLS 1850). www.apmortgage.com © 2026 American Pacific Mortgage Corporation. All rights reserved.
This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states and restrictions may apply. Please consult your loan advisor for complete details. Equal Housing Opportunity.

California: Licensed by the Dept of Financial Protection under the CRMLA; CA DRE #01215943

Arizona: AZ BK 0906702

Texas: Licensed by the Department of Savings and Mortgage Lending, SML Banker Registration 1850 & SML Residential Mortgage Loan Servicer Registration

PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTGAGE BANKER REGISTRATION AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENTS WEB SITE AT WWW.SML.TEXAS.GOV.

Colorado: Regulated by the Colorado Division of Real Estate

Oregon: Licensed under the Oregon Consumer Finance Act

Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.

NMLS Consumer Access, NMLS #1850 | APM’s Privacy Policy | Accessibility Statement | Disclosures

Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loan until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency

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C&S California Capital
644 South Barranca Avenue,
Covina, CA, 91723,
United States
6266531800 decychner@cscaliforniacapital.com
Hours
Mon 8:30am - 5:00pm
Tue 8:30am - 5:00pm
Wed 8:30am - 5:00pm
Thu 8:30am - 5:00pm
Fri 8:30am - 5:00pm
Sat Closed
Sun Closed