Mortgage and Finance Services

Buy your first or next home, sell, refinance, get down payment assistance, and improve your credit with a Southern California team backed by 20+ years of experience.

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7/6 ARM — Lowest RateBest rate area: Palo Alto, CA
5.875%
—APR 6.075%Fixed 7 yrs, adjusts every 6 mo
Updated 02:03 PMNext update in 60:00
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For Real Estate Investors

DSCR Loans — Qualify on Rental Income, Not Your W-2

Debt Service Coverage Ratio (DSCR) loans let investors finance rental properties based on the property's cash flow — no tax returns, no employment verification required. Perfect for LLCs, portfolio landlords, and self-employed investors.

Get DSCR Pre-Approval
No W-2 RequiredQualify using the property's rental income alone
LLC FriendlyClose in your LLC or business entity
Up to 80% LTVFinance up to 80% of the property value
Short-Term Rentals OKAirbnb & VRBO income accepted
No Limit on PropertiesScale your portfolio without restrictions
Fast CloseStreamlined process — close in as little as 21 days

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