Online direct mortgage lender in Los Angeles, California

Mortgages we offer

• Conventional

  Known as the "traditional" mortgage that allows for as little as a 3% down payment. This is typically the best place to start because this category has the cheapest rates. Both fixed-rate and adjustable-rate mortgage options are available. This category has the cheapest costs and includes cancellable mortgage insurance if you opt to put less than 20% down.

• FHA

  Available if this is your primary home, or if your profile (credit or down payment) is less than ideal. An FHA loan won't penalize you and it'll make it easier to get into a home. FHA loans allow for as little as 3.5% down and have options for credit scores as low as 580. This is ideal because the conventional category will tell you to come back when your profile looks better.

• VA

  Thank you for serving our country! We want you to know we will try whatever it takes to get our veterans into a home and we mean it. Veterans and active-duty military qualify for 0% down payment with no monthly mortgage insurance through the VA loan program. VA has a funding fee but is exempt for Veterans with 10%+ disability. Rates are also the cheapest out of all the categories.

• Jumbo

  Your County will have a loan limit threshold which will place you either in the Conventional or Jumbo loan category. Jumbo rates are very similar to conventional, sometimes better but since the home is bigger and the loan is bigger, some stricter requirements are needed. i.e. Longer job history, more savings, larger down payment.

• Self-Employed

  If you didn't file enough income to qualify, don't worry! We will either use your business bank statements or profit & loss to qualify for you. Since you don't show income on your taxes the rates are about 1% higher than the conventional market but for those who don't like to pay taxes or deduct way too much, this is a great option.

• Creative Loan

  You might not fit in any of these categories and that's ok! Not everyone should! If you are not a citizen, or don’t have income but have a lot of money invested, or all your money tied up in properties. We have seen all sorts of situations. We have creative loans that will work with your specifics. There is always a loan out there for you.

• Commercial and SBA

  We can finance your shopping center, multi-unit, apartment building, retail, or high-rise. Also if you're buying an existing business and need an SBA loan we can help.