And youth, the three partners say, is what has helped their start-up company to stay afloat.
"We're competing with people who are 50, 60 years old," Bolivar said. "When they're sleeping and when they're down in Cancun sipping piña coladas, we're up here working to stay innovative, stay ahead of the curve."
The partners' brokerage company helps home buyers connect with a variety of lenders and land a mortgage deal. Part of staying ahead of the curve has been the trio's somewhat risqué approach to marketing, they said.
"We realized we needed a marketing statement as drastic as the interest rates that some people were getting," Bolivar said.
The company's marketing materials, which combine bright colors with bright language, stray from the corporate look, Huhn said.
"Everything we do has a deep, sexy, nightclub-type of promotion," he said. "If it's not that, it's humorous."
Huhn came up with the idea for YourLoanSucks.com, a name that his partners thought would be too off-putting. But not long after the company paid for its first billboard to promote the new brand, a woman who had seen the bright yellow and black sign called Huhn from the road.
"This lady called me from her car and she just said, 'Man, my loan does suck,'" Huhn said.
As the real estate boom that swept the country, and especially Southern California, throughout the first half of the decade has slowed down, the brokerage business has picked up, Huhn said.
When the market was hot, many people were led blindly by real estate agents and lenders into mortgages that they couldn't really afford and now those buyers are reaching out to brokers for refinancing help, he said.
