ExtraCredit.net is a mortgage loan search service based in Temecula, California. When you Apply for a loan through ExtraCredit.net, you will connected with at least one, but no more than four, pre-screened lenders who are licensed to do business in your state, either with state specific licenses, or federally chartered bank exemption. You may call us direct at 888.847.1858 to speak to a loan officer immediately.