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

Megan V
Megan V
Joel and Kerry were such a pleasure to work with during this whole process- I don’t think we could’ve done it without their guidance and expertise! They both had great communication and were quick to answer our endless questions! Luckily they both really know what they’re doing since I certainly didn’t as a first time home buyer! Thank you both so much!! :)
Gerard Keating
Gerard Keating
Joel and Kerry Harrison did an outstanding job in serving my mortgage needs. They reviewed numerous documents and provided a wide range of financing options. Everything was done very quickly and accurately. Also, besides their outstanding service, Joel and Kerry are truly a pleasure to work with. One more thing: Joel also did an outstanding job as my real estate agent; he handled a very complex transaction with great expertise. Joel is as good of a realtor as he is a mortgage broker.
Adrienne Bixby
Adrienne Bixby
They have access to a ton of different loan options which makes shopping around a lot easier. Also, they have a home-buying program where they can also act as the realtor. We just needed to find the home ourselves (easy enough!) and then they help navigate all of the paperwork. With this program, they were able to put a percentage of their commission towards closing costs. Lastly, I'm a first-time home buyer. It will probably be the biggest purchase of my whole life, so I was very nervous. But, Joel and Kerry were very patient with me and answered all of my questions without making me feel silly. I would recommend them and this program to anyone.
Miriam Schroeder
Miriam Schroeder
America’s Loan Advisors worked with me in getting a home equity loan. They were knowledgeable, professional and patient, explaining each step of the process. I am very pleased with my experience with them and would highly recommend them.
Leonard Kilman
Leonard Kilman
Joel and Kerry Harrison are the easiest people to work with when refinancing or purchasing a new home very professional they know their job well they give you excellent advice as far as your credit goes they work very hard to make a easy and smooth process and I trust them 100% they’ve sold houses for me refinanced for me and help me with purchases on new homes they are the go to people when purchasing any real estate or refinancing needs, Great team to work with Joel and Kerry.
Michael Blackstone
Michael Blackstone
Joel and Kerri are both very professional and make the process of applying, qualifying, and securing a loan fast and easy. I have used ALA for several refinances and plan to use them again.
Julie Chetney
Julie Chetney
Thank you, Joel and Kerry Harrison, for everything you did and continue to do for us in the world of lending and mortgages. We cannot thank you enough for walking alongside us. We knew your expertise and professionalism but the extent to which you went the extra mile really means a lot. They are professional and kind and had great patience as we navigated the purchase of our first home. We highly recommend anyone reach out to Joel and Kerry!
Robert O'Rourke
Robert O'Rourke
Joel and Kerry handled our Refi and could not have made the process easier! We couldn’t be happier with the service and professionalism that they provided. I would and will recommend them to everyone!
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.

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.