You, Your Family, Your Future.

Did you know that over 52% of all Los Angeles County deals fall out of escrow?  Now more than ever, it's never been more important to know you're working with a true mortgage expert.

Welcome to The CS Mortgage Advisory Group where we deliver specific and relevant expert mortgage advice.  We also guarantee our closings and always close in 14 days or less.  We are proud to say we have never had a deal fall out of escrow. If that seems impossible in this marketplace, then, you haven't worked with us before.  There is a proven recipe we developed and follow to achieve those results, and it's pretty simple.  We stand by our word.  We don't commit on the front end to doing loans that won't fund; period.  We find it a disrespectful waste of our client's time as well as our own.  That said, we are not a fit for working with everyone.  We do not "sell" our clients on any particular kind of loan, rather, we have dedicated ourselves to offer the very best in our mortgage lending services.  In turn, we have designed our referral-only based practice to serve only those Buyers, Sellers, Refinancers and Realtors/Professional Partners, who are truly seeking out a long-term trusted relationship with their mortgage professional.  And, who value expert advice.

As a Banker and a Broker, we are in the unique position right now to have tremendous access and flexibility regarding our mortgage programs and resources.  We provide mortgage lending services to clients on both coasts. The firm employs CMPS (Certified Mortgage Planning Specialist), CLA (Certified Liability Advisor) and CMC (Certified Mortgage Coach) credentialed advisors, each with a minimum of ten years experience who are supported by a competent, friendly staff.

The company is known for developing lasting client relationships, providing unbiased, strategy-driven mortgage advice and supporting other client needs through collaborative alliances with experienced professionals.


Hello, my name is Tracy Cavanaugh, lead mortgage planner for the Advisory division of America's First Funding Group. And yes, there is a better way to obtain a home loan, manage the mortgage you choose and feel comfortable with that decision knowing you have a long term relationship of accountability with your lending partner. 


We have been helping homeowners borrow smart since 1997. We have developed a suite of unique products, services and loan programs that will compliment your goals and existing financial plan and make them even more effective for you, your family and your future.


"I've had the pleasure of working with Tracy on two occasions.  She handled my mortgage refinancing with professionalism and integrity.  Tracy is extremely knowledgeable in her profession and offers advice as soon as she gets an idea of your family's goals and your personal ones as well.  She has an incredible team behind her who are trust worthy and friendly.  In this market you want someone on  your side who is going to help you and teach you along the way."  

Bob Hernandez



All the Best,


Tracy Cavanaugh