J&P Financial, Inc. sells and finances homes in the San Diego and South Riverside areas. The company has grown since 1993 when Joe and Paula Cobb opened their first office in Rancho Bernardo as Realty Executives. In 2005 the name was changed to Realty Experts which is an independent, family operated company operating as J&P Financial, Inc. dba Realty Experts. Because we believe the ability of our buyers to acquire the best home for them depends on expert financing and knowledge we offer our services as a mortgage counseling company. You are never obligated to use our services or our affiliates but believe you will see their value through your own experience. The buying experience begins with your loan. We give you much information about the loan process here but know your personal situation is unique and must the only guide to what is best for you. Please fill out our contact information for a personal, no obligation, counseling session. Onward! Upward!!