Home Purchase
Conventional, FHA and VA options with down payments that fit real budgets.
Ask about this option →Bilingual mortgage guidance throughout California(323) 631-6643
California home financing
Home loans, explained clearly.
I help families buy, refinance and invest with straight answers, competitive options and personal service in English or Spanish.
✓ Personal guidance✓ English & Español✓ Options for different profiles
Loan programs
A path for every family.
Explore common financing paths. Eligibility depends on your complete profile and lender guidelines.
Refinance
Lower your rate, shorten your term or use equity for what matters.
Ask about this option →FHA Loans
Flexible credit and low-down-payment paths for eligible homebuyers.
Ask about this option →VA Loans
Financing for eligible veterans and service members, often with no down payment.
Ask about this option →Conventional
Competitive options for borrowers with established credit and income.
Ask about this option →ITIN Loans
A home-financing path for borrowers using an ITIN instead of an SSN.
Ask about this option →DSCR Investor
Qualify an investment property primarily using its expected rental income.
Ask about this option →Bank Statement
A flexible income-review option for qualifying self-employed borrowers.
Ask about this option →Asset Depletion
Use eligible savings and investments to help demonstrate qualifying income.
Ask about this option →Down-payment assistance
Your down payment may be closer than you think.
We can review available programs and their income, credit and occupancy requirements.
Explore assistance →Free mortgage tools
Run your own numbers first.
Pressure-test a budget before you fill out an application.
Illustration only—not a quote, approval or commitment to lend. Actual taxes, insurance, fees, terms and eligibility vary.
Estimated monthly payment$4,830
Principal & interest$3,698
Property taxes$650
Home insurance$190
Mortgage insurance$293
Let’s review a real scenario together.
Review my options →A simple process
From first call to closing.
Share your goals
Buy, refinance, invest or plan ahead.
Review options
Compare budget, credit and loan programs.
Prepare documents
Get a clear checklist and secure upload link.
Close confidently
Stay updated throughout the process.
Learn before you sign
Plain-English mortgage guides.
Rent vs. Buy in California
Compare monthly cost, time horizon and long-term goals.
Compare now →Buying with a co-borrower
Understand income, credit, ownership and documentation.
Learn the basics →First-time buyer roadmap
Know what happens before, during and after pre-approval.
See the process →Refinance decisions
Compare payment savings, closing costs and break-even time.
Run a comparison →Common questions
Straight answers.
How much do I need for a down payment?+
It depends on the loan program, property and your complete financial profile. Some eligible programs allow low or no down payment.
Does checking my options hurt my credit?+
A conversation and rough estimate do not require a credit pull. A formal pre-approval may require authorization to review credit.
Can I qualify if I am self-employed?+
Possibly. Tax returns, bank statements, assets or other documentation may be used depending on the program.
What is included in a monthly mortgage payment?+
A full housing estimate may include principal, interest, property taxes, homeowners insurance, mortgage insurance and HOA dues.
Can I buy with an ITIN?+
ITIN programs may be available. Down payment, documentation and pricing vary by lender and borrower profile.
Local guidance
Serving families across Southern California.
Downey · Norwalk · Compton · Whittier · Commerce · Pico Rivera · Lynwood · Huntington Park · Maywood · Los Angeles
Free pre-qualification conversation
Take the first step—without pressure.
Share basic contact information only. Do not enter Social Security numbers, bank account numbers or financial documents here.
Prepare ahead
Your basic document checklist.
✓ Photo ID✓ Recent pay stubs✓ W-2s or tax returns✓ Bank statements✓ Employment history✓ Current housing details
Your exact list depends on your income, assets and loan program. Send documents only through the secure portal provided to you.