Explore Your Loan Options
Buying, refinancing, pulling equity out, or financing an investment — here's what I can do, in plain English. Not every program on this page applies to you, and that's fine. Find the one that sounds like your situation and start there.
175+
lenders to shop
More options than any one lender's menu
I'm a mortgage broker, not a bank. I'm not handing you one company's rate sheet and hoping it fits. I have access to more than 175 lenders, and every one of them has its own guidelines, its own pricing, and its own appetite for certain kinds of files. My job is knowing which one wants yours.
So if you've been told no somewhere, or the terms you were quoted didn't sit right, it's worth a second opinion. There's usually another way to structure it.
Loan program categories
Home Purchase
Buying in Orange County or anywhere else in California — first home or fifth.
Conventional · Jumbo · FHA · VA · First-Time Homebuyer Programs
Learn more
Refinance
Lower your rate, change your term, or pull cash out of the equity you've built.
Rate & Term · Cash-Out · VA IRRRL · Debt Consolidation
Learn more
Home Equity
Tap your equity without touching the low first-mortgage rate you already have.
HELOC · HELOAN / Home Equity Loan
Learn more
Investment Property
Financing that qualifies on the property, not just on your tax returns.
DSCR · Fix & Flip · Bridge · Investment Property Financing
Learn more
Specialty & Non-QM
For self-employed borrowers and anyone whose income doesn't fit a standard box.
Bank Statement · Asset-Based · Interest-Only · Other Non-QM
Learn more
Read before you choose
The categories above are the menu. These are the questions that decide which one is yours.
Jumbo loans
Where the conforming line runs in this county, and what changes once a file crosses it.
Home equity
Three ways to borrow against a house you own, and when to leave the equity alone.
First-time buyers
The down-payment assistance programs that reach this county, the agencies behind each, and the order to ask in.
Loan estimate review
Already holding another lender's offer? Have it read line by line before you sign.
DSCR and investment property
Whose income a rental loan is underwritten on — yours, or the property's.
Bank statement loans
Which part of the gap between your tax return and your deposits a conventional file already closes.
Not sure which one fits?
Most people aren't, and that's a normal place to start. Tell me what you're trying to do and I'll tell you which of these applies and what it would actually look like.
- Call or text
- (949) 744-5302
- Office
- 17911 Von Karman Ave, Suite 400
Irvine, CA 92614