Rich and Sandy    Rich and Sandy take pride in earning their clients trust, demonstrating integrity, and proving the value and honesty of their services by the numbers. This is the unique and defining difference of ARM+; the loan is proven by the numbers! If a loan doesn't make sense by the numbers, they simply say so keeping your best interests first while looking forward to the possibility of your business sometime in the future.

Charles Young 3

    What's the latest? As of April 1, 2014, Charles Young (Rich and Sandy's son) has joined the family business! Charles' skills in personal service and trust continue the traits Rich and Sandy have built their 20-year business around. Charles comes at a perfect time envisioning expansion with an even deeper focus on relationship with you, the customer. 


    If you have property on the peninsula that you need help in managing, Rich, Sandy and Charles are certain they can help you. "How," you ask? They know they can make you more money through proven cost savings and cost efficiency techniques. That requires extra-effort on their part that most others most property managers don't have time for.  Those savings turn into more income for you and that will help you live a greater stress-free life regarding your property and your tenants.

If you're one of Rich and Sandy's mortgage-clients, you already know how much you can trust them! If you're not, they have plenty of references they would be happy to provide you with.

So whether your needs are financing or property management, Action has the experience and service you deserve!

Need financing? Got property? Need help? Contact Rich, Sandy or Charles today!

Rich Young

Rich Young

Broker | President | Property Manager                                                                            

Sandy Gauthier-Young

Sandy Gauthier-Young

Loan Agent | Vice-President | Property Manager 


Charles Young - Director, Southern California

Charles Young

Director | Property Manager