Business Details
29 Years
experience
Emergency
services
Trusted Mortgage & Real Estate Services in Torrance, CA
Breakwall Real Estate & Loans has been dedicated to helping clients achieve their homeownership and investment goals for over 25 years. Founded by Henry Munoz, a licensed real estate broker, mortgage loan officer, and certified paralegal, our firm combines deep industry expertise with personalized service to address complex real estate and financing challenges. We specialize in residential and commercial mortgage solutions, including conventional and unconventional financing, refinancing, reverse mortgages, and distressed property transactions.Our team's extensive experience in navigating title issues, probate, foreclosure mitigation, and debt consolidation ensures clients receive tailored strategies that align with their unique needs. With access to a nationwide network of wholesale lenders and a commitment to ethical practices, we prioritize client satisfaction through transparent communication, competitive rates, and unwavering support throughout every transaction phase.
Services
Mortgage Loans
Refinancing
Commercial Real Estate
Reverse Mortgages
Title Issue Resolution
Details
- Year established: 1997
Highlights and features
- 26+ years of mortgage origination experience with specialized access to wholesale lenders
- Dual expertise as licensed real estate broker and mortgage loan officer
- Proven success resolving complex title, probate, and foreclosure challenges
- Personalized service with 24/7 client availability
- Certified paralegal support for legal documentation accuracy
Associations and certifications
- California Department of Real Estate
- National Mortgage Licensing System (NMLS)
- Los Angeles County Legal Document Assistant Program
What people say
Professional and knowledgeable
Saved thousands through expertise
24/7 availability
Smooth transaction process
Creative problem-solving
Services
Mortgage Loans
We offer comprehensive mortgage solutions for residential properties, including fixed-rate, adjustable-rate, and specialty loans. Our access to wholesale lending networks ensures competitive rates for first-time buyers, investors, and those with unique financial situations. Our team guides clients through every step from pre-approval to closing.
Commercial Real Estate
Specialized financing for commercial properties with loan amounts up to $7 million. We work with investors and business owners to secure funding for retail spaces, industrial complexes, and mixed-use developments. Our process emphasizes fast approvals and flexible documentation requirements for time-sensitive opportunities.
Reverse Mortgages
Tailored reverse mortgage solutions for homeowners aged 62+. We help seniors convert home equity into tax-free income while maintaining property ownership. Our certified specialists explain all options and ensure alignment with long-term financial goals and family needs.
Title Issue Resolution
Expert navigation of complex title challenges including probate issues, foreclosure threats, and clouded ownership records. Our certified paralegal team works with title companies and attorneys to clear liens and establish clear property rights for smooth transactions.
Refinancing Services
We help homeowners reduce monthly payments, access equity, or change loan terms through strategic refinancing. Our services include cash-out refinancing, rate-and-term adjustments, and specialized programs for borrowers with changing financial circumstances.
People
Henry Munoz
Broker/Loan Officer/Paralegal
With 26+ years in mortgage origination, Henry holds California Real Estate Broker License #01786680 and NMLS #228855. A certified paralegal and former Army medic, he specializes in complex transactions involving title issues, probate, and commercial financing.
Questions
What mortgage options exist for borrowers with credit challenges?
We specialize in unconventional financing solutions and work with wholesale lenders to create opportunities for borrowers who don't meet traditional bank criteria.
How does your dual licensing benefit clients?
As both real estate broker and mortgage loan officer, we provide comprehensive guidance through every transaction phase with insider industry perspective.
Can you assist with distressed property situations?
Our team has extensive experience resolving foreclosure notices, title issues, and probate-related real estate challenges through strategic financing solutions.
What commercial real estate services do you offer?
We provide asset-based lending for commercial properties with flexible documentation requirements and fast funding timelines up to $7 million.
How do you ensure accurate property valuations?
We conduct thorough title analyses and property inspections prior to appraisal to prevent valuation discrepancies that could delay transactions.
