Why work with us?

We are a husband-and-wife team that have developed complementary skill sets over the last 30 years of service that we put to work for you…directly, no newbie Loan Officers or hand-offs to Assistants.

My role is to understand your goals and then leverage my years in the business to structure options that meet them. I take pride in providing easy to understand analysis that empower you to make the right decision for your situation.

Joel Harrison

MLO NMLS #: 822672 | Broker #: 01059648

My job as Client Liaison is to make the loan process smooth and stress free. My years of experience allow me to proactively address potential issues so that our loans close on-time, every time!

Kerry Harrison

MLO NMLS #: 1363389 | DRE #: 02162403

Experience and great service are important, but so are rates! We work with the top lenders in the nation so we are able to shop and deliver highly competitive rates. Banks and mortgage bankers have layers of management, and they must cover those costs in their pricing…we do not!

Check out our 5 Star Reviews

Get in Touch!

We are here to help!  To get in touch, please complete the below form or call/text us at
We look forward to connecting with you!

Calculate Your Payment!







Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

ready to own a home

Ready to Learn More?

We are easy to reach and easy to talk with…let’s connect!
Call or text us at: 760-280-2800 or click on the “Contact Us” button to send us an inquiry.

Strategy for best results

Over the last 30 years, we have established a streamline process that positions you for success…

The key is getting LOAN APPROVAL from Underwriting prior to making an offer!

By 1st obtaining loan approval, you are positioned to win! Win by having your offer accepted! Win by being able to negotiate like a cash buyer! Win by eliminating the stress (for all parties) during the closing process.

submit loan document

Submit Loan Documentation

The first step is to submit your documentation. We provide a secure online upload site for ease and security.

obtain credit approval

Obtain Credit Approval

Your documentation will be submitted to the Underwriting Department for FULL CREDIT APPROVAL!

find dream home

Find Your Dream Home!

We will present your offer along with a Certificate of Approval. Sellers and Agents know the value of a buyer that is already APPROVED!

Our Reviews

Giulia Swolgaard
Giulia Swolgaard
My husband and I would like to send out a huge thank you to both Joel and Kerry from America’s Loan Advisors. We recently completed a second home refinance with them and I cannot say enough great things about how they conduct business. It was late afternoon when I had spoke to Joel about options that we had with our situation and telling him that we would like to proceed. The great thing I liked about my conversation with Joel was that he asked what I was trying to accomplish and then he provided me with a great option that accomplished what we were trying to do and in the process saved us a lot of money. Within a couple of hours of speaking to Joel, our rate was locked and initial disclosures were sent over for signing. This was done all after normal business hours. The communication was outstanding. Kerry always kept us up to date of everything that was happening with our refinance. We knew we would be leaving town within a few weeks of starting the process. I made both Joel and Kerry aware that we would be going out of town and we were actually signing all of our closing documents about a week and a half later and were fully closed withing two weeks. Thank you Joel and Kerry for your outstanding service. Without hesitation, I would definitely recommend America’s Loan Advisors for all of your home loan needs.
Karen Metcalfe
Karen Metcalfe
Joel and Kerry Harrison are an incredible team! Joel is very knowledgeable and provided a detailed, yet easy to read and understand spreadsheet with my rate, payment, and savings options. Kerry was thorough and efficient at gathering the documents required for a clean loan approval quickly. From start to finish my refinance took less than 18 days with an appraisal. I absolutely will continue to use Joel and Kerry for all of my home loan needs and would highly recommend them to anyone looking for an experienced, trustworthy mortgage broker.
Jonathan Michael
Jonathan Michael
As first time home buyers, my family needed Loan Advisors that would provide a level of service beyond Five Stars. Joel & Kerry were patient, always available on the phone, and made us feel like we were in the drivers seat. Joel met all of our expectations and more. In fact, since closing on our refinance, we have referred many other family members for their additional mortgage needs. Thanks!
Tim Harrison
Tim Harrison
So I might be bias, because Joel is my brother and Kerry is my sister in law. The fact is I have been in the mortgage industry for over 28 years but I am not allowed to do my own loans with my own company, it is considered a conflict of interest. So I called the expert who trained me in the business my OLDER but much better looking bro. I am probably the worst client to have, my financials are complex, rental properties, other companies, properties with associations and I think I know best. My files are lots of work. Kerry as the processor did an amazing job on 7 mortgages they did for me, she is simply AWESOME!. My brother Joel was also amazing, he helped me look at options that I wasn't thinking of, as I was too close to the situation. I was really happy with the service I received and impressed with how great they really are. Thank you, your favorite bro, Tim 🙂
Bob Baitoo
Bob Baitoo
Just refinanced a mortgage loan. The quality & timeliness of service from Joel & Kerry Harrison exceeded my high expectations.
Amanda M
Amanda M
Normally, I don’t write reviews... I stray away from it. I’ve probably only done it when I have to. Joel and his team did our refi. They are on point, dialed in, professional, quick, and found great solutions for us. They are kind and easy to talk to. I highly recommend them for any and every service they offer. I give them 10/10. Like I said, I literally never write reviews, but Joel and his team were terrific, and I’m more than happy to give them a satisfactory review!
Marie Rufo
Marie Rufo
I used America's Loan Advisors to refinance my house and they were awesome. Working with Joel and Kerry made the entire process easy and stress free. They are extremely knowledgeable, so i felt confident having them guide me through the process. I highly recommend them!!
Monica R
Monica R
Joel and Kerry are phenomenal. Both are clearly experts at what they do and are an absolute pleasure to work with. They don't rely on cheap sales tactics to get business (if you've reached out to companies like RocketMortgage, you likely know what I mean). Joel and Kerry handled our mortgage refinance and completed everything at least a week sooner than the completion date estimate given by all other lenders/brokers I spoke with. I contacted somewhere around 8 or 10 lenders/brokers and America's Loan Advisors had very competitive rates. Definitely recommend giving them a call!
Joseph Klein
Joseph Klein
Joel and Kerry were a pleasure to work with during my refi. Extremely responsive and professional throughout the process. Delivered the refi in quick order and I received a very competitive APR. Won't have any worries using their services again.
Mark Flores
Mark Flores
Joel and Kerry, they are an absolute amazing duo to work with. My refinance experience with them during this COVID-19 pandemic period was so soothing, it made things easier for me to relax. I certainly appreciated the way they handled everything, from early paperwork to securing the lowest possible refinance Interest for my closing disclosures. Never once did I think about whether it mattered if they were local or out of the area from where I work or live. Their honesty truly impacted my decision in choosing to work with America's Loan Advisors. Thank you both! Sincerely, Mark Flores

Frequently Asked Questions

If you have a question that is not answered below, please call us at 760-280-2800

How quickly can I get a mortgage?
While most lenders are taking from 30-60 days, we can close a loan as fast as is legally allowed (due to disclosures and required waiting times).

As fast as:
– 8 days for purchase loans
– 11 days for refinances

Can you provide a link to online reviews?
What are today’s interest rates?

Rates change daily and sometimes during the day.

Please contact us and we will shop our various lenders, based on your specific situation, to provide you a highly competitive rate.

What type of mortgages do you provide?

As a mortgage broker, we have access to many different lenders and their loan products.

For example, Conforming, Jumbo, FHA, VA, Reverse, Construction and HELOCs.

Can you help me with improving my credit scores?

Yes! Our credit vendor provides an automated system that analyses your credit report and identifies actions that will improve your score. It has been quite successful for our clients. We do not charge to facilitate this service but the credit vendor does have fees if you need to have your scores immediately improved.

We look forward to being of service.