Home Purchase Loans in Southern California
Whether it’s your first home or your next one, we’ll help you find the right loan, get pre-approved fast, and close on time.
- 30+ years of experience
- Same-day approvals available
- First-time buyers welcome
How Buying a Home Works
Four simple steps from pre-approval to moving day. We guide you through every one.
Get Pre-Approved
Know your budget and shop with a letter sellers trust.
Find Your Home
Tour homes with your agent and choose the right one.
Make an Offer
Once your offer is accepted, we lock your rate and order the appraisal.
Close and Get the Keys
Sign your documents, fund your loan, and move in.
Explore Your Home Loan Options
The right loan depends on how you earn your income and what you’re buying. Start with the group that fits you best.
Standard Income Borrowers
For W-2 employees, retirees, and anyone with traditional income documentation.
Conventional Loans
Flexible financing with as little as 3% down, mortgage insurance you can drop, and terms built around your goals.
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FHA Loans
Buy with as little as 3.5% down and flexible credit guidelines. A proven path to homeownership for first-time and repeat buyers.
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VA Loans
Zero down, no monthly mortgage insurance, and competitive rates. A benefit you earned through your service.
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Jumbo Loans
Financing for homes priced above the conforming loan limits, with the flexibility and personal service high-value purchases deserve.
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Bridge Loans
Use the equity in your current home to buy your next one now, without a contingent offer or moving twice.
Learn more →Self-Employed Borrowers
For business owners, freelancers, and 1099 earners, including options without tax returns.
Self-Employed Mortgages
Business owners, freelancers, and 1099 earners deserve a mortgage that fits how they actually get paid.
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Bank Statement Loans
Qualify with your real cash flow, not the income left after write-offs. No tax returns required.
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Asset Depletion Loans
Turn your savings, investments, and retirement accounts into qualifying income, with no paycheck or tax returns required.
Learn more →Real Estate Investors
For rental properties, flips, and deals that need to close fast.
DSCR Loans
Qualify based on the property's rental income, not your personal income. Grow your portfolio without tax returns.
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Fix and Flip Loans
Fast, short-term financing for the purchase and the renovation, so you can win the deal and finish the project.
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Hard Money Loans
Asset-based financing for investors who need to close fast, based on the property's value instead of your paperwork.
Learn more →What You’ll Need to Get Pre-Approved
Gather these documents and we can usually issue your pre-approval quickly:
- Photo ID for everyone on the loan
- Pay stubs from the last 30 days
- W-2s or 1099s from the last two years
- Two months of bank and investment statements
- Tax returns or 12 to 24 months of bank statements if self-employed
- A gift letter if family is helping with your down payment
Get Pre-Approved Today
Know your budget before you shop. It’s free, there’s no obligation, and approvals are often same-day.
Prefer email? Send us a messageRun the Numbers
See how much home you can afford, compare renting with buying, and estimate your monthly payment.
Home Buying Guides
Practical advice to help you prepare, compare lenders, and get approved.
How to Get the Best Purchase Mortgage in California
Credit, down payments, closing costs, and how to compare lenders.
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How to Get Approved for a Mortgage
What lenders look for, and how to prepare a strong application.
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Lining Up Purchase Contract Contingencies With the Loan Timeline
How the loan, appraisal and inspection deadlines fit a 30-day escrow.
Read the guide →
Assumable Mortgages: The Loan That Comes With the House
How to find a home with a low-rate FHA or VA loan you can take over.
Read the guide →Home Buying Questions
How much do I need for a down payment?
It depends on the loan. VA loans allow $0 down, conventional loans start at 3% for eligible first-time buyers, and FHA loans need 3.5%. Plan for closing costs of roughly 2% to 4% of the price as well.
What’s the difference between pre-qualification and pre-approval?
A pre-qualification is a quick estimate based on what you tell us. A pre-approval means we’ve reviewed your credit, income, and assets, so sellers take your offer more seriously.
How long does it take to get pre-approved?
Often the same day once we have your documents. Your pre-approval letter is typically good for about 90 days.
What credit score do I need to buy a home?
Many FHA loans start at 580 and conventional loans at 620. VA guidelines are flexible. A higher score earns a better rate, and we can help you improve your score before you apply.
How long does it take to close on a home?
Many purchases close in 30 days or less, and we can close conventional loans in as little as 15 days.
Are there programs for first-time buyers?
Yes. Along with low-down-payment conventional and FHA loans, California’s CalHFA programs can help eligible buyers with their down payment and closing costs.
Can I buy a home if I’m self-employed?
Absolutely. We offer self-employed mortgages that qualify you with bank statements, 1099s, or assets instead of tax returns.
Ready to Buy Your Next Home?
Get pre-approved in minutes and shop with confidence.