Business Details
29 Years
experience
Emergency
services
Expert Mortgage & Real Estate Services in Torrance, CA
Breakwall Real Estate & Loans has been dedicated to helping clients achieve their real estate goals for over 26 years. Founded in 1997, our team combines deep expertise in mortgage lending and real estate brokerage to address complex transactions that traditional lenders often decline. We specialize in residential and commercial financing, title resolution, probate assistance, and unconventional scenarios requiring tailored solutions. Our owner, Henry Munoz, holds multiple licenses as a Real Estate Broker, Mortgage Loan Officer, and Legal Document Assistant, ensuring comprehensive support for clients navigating challenging real estate matters.With access to a nationwide network of wholesale lenders, we secure competitive rates and terms unavailable through retail channels. Our commitment to integrity, client education, and 24/7 availability has earned us a reputation for resolving seemingly impossible cases while maintaining transparency throughout every transaction.
Services
Mortgage Brokerage
Real Estate Transactions
Title Issue Resolution
Reverse Mortgage Solutions
Commercial Financing
Probate Sales
Foreclosure Prevention
Debt Consolidation
Home Equity Loans
Investor Financing
Details
- Year established: 1997
Highlights and features
- 26+ years of experience in complex real estate transactions
- Access to exclusive wholesale mortgage funding sources
- Specialized expertise in title issues and probate sales
- Multi-licensed professionals with real estate, mortgage, and paralegal credentials
- 24/7 availability for urgent client needs
What people say
Consummate professional
Saved thousands
Smooth transactions
Knowledgeable team
24/7 availability
Services
Mortgage Brokerage
We connect clients with competitive mortgage solutions through our exclusive wholesale lender network. Our brokerage specializes in unconventional financing scenarios, including title issues, probate properties, and investor loans. With access to over 50 funding sources, we secure favorable terms for residential and commercial transactions that traditional banks decline.
Real Estate Transactions
Our brokerage handles complex real estate deals including trust sales, divorce buyouts, and commercial properties. We verify buyer qualifications pre-escrow to prevent transaction failures, conduct property inspections to ensure appraisal readiness, and negotiate optimal terms for sellers and buyers in Southern California markets.
Title Issue Resolution
We specialize in resolving clouded titles, uninsurable deeds, and chain-of-title problems through our network of legal and title professionals. Our services include title report analysis, document correction, and coordination with attorneys to clear obstacles preventing property sales, refinancing, or purchases.
Reverse Mortgage Solutions
We provide HECM reverse mortgage options for seniors seeking to leverage home equity without monthly payments. Our process includes counseling referrals, property evaluation, and customized plans to address medical expenses, home improvements, or retirement income needs while maintaining homeownership benefits.
Commercial Real Estate Financing
We arrange financing for commercial properties with non-traditional documentation requirements. Our services include asset-based lending, investor loan structuring, and access to lenders specializing in properties needing repairs or with unique zoning challenges across Southern California's commercial markets.
People
Henry Munoz
Broker & Mortgage Loan Officer
With 26+ years in real estate and mortgage lending, Henry holds California Real Estate Broker License #01786680 and NMLS #228855. A registered Legal Document Assistant, he specializes in complex transactions involving trusts, probate, and title issues while maintaining paralegal expertise to resolve legal property challenges.
Questions
What real estate services do you offer?
We handle residential and commercial purchases, sales, and financing including complex transactions involving title issues, probate properties, and unconventional scenarios traditional lenders decline.
Can you help with difficult mortgage situations?
Yes, we specialize in cases turned down by big banks, including title issues, trust sales, divorce buyouts, and properties needing repairs through our network of 50+ wholesale lenders.
Do you work with first-time homebuyers?
Absolutely. We guide first-time buyers through the process, explain financing options, and help secure competitive rates while addressing unique property concerns.
What areas do you serve?
Primarily Southern California including Torrance, Lomita, San Pedro, Palos Verdes, and Redondo Beach with expertise in local market conditions and regulations.
How do you handle title problems?
We collaborate with title officers and attorneys to resolve clouded titles, uninsurable deeds, and chain-of-title issues through document correction and legal process management.
Are your mortgage rates competitive?
Yes, our wholesale lender access provides rates and terms often better than retail banks since we shop multiple funding sources to find your best option.
