Agoura Hills Mortgage Broker
Found a home with a barn or a lake view, and the first lender you called did not know how to value it? We shop your loan across more than 100 lenders and tell you which ones will say yes. Calling us starts a conversation, not an application.
- ✓ NMLS #1277693
- ✓ Licensed in California
- ✓ Direct broker access
Buying Horse Property With a Mortgage Broker
You found the property with the barn and the arena, and now you are learning that most lenders do not know how to value it. A mortgage broker sorts lenders by who is comfortable with your kind of property before anyone orders an appraisal. We shop your loan across more than 100 lenders and tell you which ones are likely to say yes.
Why a barn changes the appraisal
Appraisers who mostly see ordinary houses tend to treat stables, arenas and paddocks as if they add almost nothing. A low appraisal leaves you short at closing, so the appraiser matters almost as much as the lender. Some lenders also cap loans on properties with a lot of acreage or horse facilities. We ask those questions first, so you do not find out six weeks in. Tell us about the property.
When your pay comes through your own company
If you work in film or television as a freelancer, your fees probably reach you through a loan out company, which is a business set up to collect your pay and then pay you. Your tax returns show what is left after the write offs, not what you actually took in. A bank statement loan reads your deposits instead, and lenders count those deposits in different ways.
What buyers choose here
Jumbo loans lead on the ranch lots and in the canyon, because prices there run past the conforming limit. Bank statement loans come next for freelancers and business owners. Conventional loans fit the smaller homes in the village. DSCR loans serve people buying a rental. Homes near the 2018 fire can also need insurance from a specialty carrier, which raises your monthly payment and changes how much you qualify for. Call (818) 478-2555 and we will sort out which applies to you.
A horse property is not a normal house, and a freelancer's income is not a normal paycheck. If a lender does not know how to value an arena or read a loan out company's deposits, your loan stalls. I know which of our lenders do, so I start with them instead of finding out the hard way.
Buying Up on a Ranch Lot or in the Canyon
Your price is past the conforming limit, so you need a jumbo loan, and jumbo lenders disagree with each other far more than most people expect. One wants more cash in reserve. Another dislikes acreage or a long dirt driveway. The right pick depends on your property and your credit, and the wrong one can cost you the house. We line up the lenders that fit yours before you apply. See our jumbo loan overview.
If a Loan Out Company Pays You
You earn well through your own company and your tax return says something much smaller. A bank statement loan qualifies you on 12 to 24 months of deposits into your business or personal account. Lenders differ on how they count those deposits and what they do with business expenses, so the same income can produce two different numbers. We check your statements first and then choose the lender whose math treats you best. See our bank statement loan overview.
If the Price Stays Under the Limit
You are buying a smaller home in the village, you have steady W-2 income, and your price fits inside the conforming limit. Your loan is the simple kind, and what is left to decide is who gives you the best terms. Same borrower, same house, and different lenders will quote you different costs. We put your loan in front of several and lay the results side by side. Start with a quick quote.
Buying Before Your Old House Sells
The seller will not wait for you to list your current home. A bridge loan lends against the equity you already have, so you can close now and sell afterward. It is short term, and you pay it off or refinance when the old place sells. It also helps when a property needs work before a normal lender will touch it. See our hard money loan overview.
Renting Out a Second Property
You want to add a rental, but you do not want to put your whole income story in front of another lender. A DSCR loan compares the rent the property earns against the payment and qualifies you on that. Your pay stubs and tax returns stay out of it. How you document the rent decides which lender fits best. See our DSCR loan overview.
When Your Money Sits in Investments
You just left a salaried job, or you are building a business, and your income today looks small next to your savings. An asset depletion loan turns your accounts into a monthly income figure a lender can use. Each lender runs that formula its own way. We find the one that gives you the biggest number. See our asset depletion loan overview.
Quick Facts for Agoura Hills Buyers
Is This Right for You
Contact Advanced Funding Solutions to discuss whether this program may be a fit for your scenario. Eligibility, loan amounts, and terms are set by the funding lender after a complete application and underwriting review.
Get a Quote →- You are buying a property with a barn, an arena or acreage and want a lender that understands it
- You are a freelancer or run your own company, and your tax returns do not match your real income
- You are buying on a ranch lot or in the canyon, and your loan is past the conforming limit
- You have W-2 income and a home price that fits inside the conforming limit
- You want to buy a new home before your current one has sold
- You are buying a rental and want it to qualify on the rent it earns
Four Steps From First Call to Keys
Describe the Property and How You Earn
Nothing formal starts here. Tell us what you are buying, whether it has horse facilities or sits on a hillside, and how your money arrives, then ask for a quote. That could be a paycheck, deposits into a business, rent, or savings you draw from. Those answers point to a group of lenders. Getting that right early saves you from learning in week six that your lender will not touch the property.
We Match Lenders to the Property
We compare your loan against the lenders whose rules fit it today. A jumbo buyer with freelance income gets a shorter list than a W-2 buyer in the village. If the house needs a horse property appraiser or sits where insurance is hard to find, we rule out lenders who back away from that. You see the comparison before you apply anywhere.
The Lender Reviews Your Income and the Home
You apply with the lender that fits best. Its team checks your income and assets and sends an appraiser to the house. On a horse property that appraisal is often the slowest step, so we watch it closely. We chase the document requests, read the appraisal when it lands, and tell you what it means in plain words.
You Sign and the Lender Funds
The lender approves and funds your loan. We run it through closing, handle the back and forth, and stay on it until you have the keys. Before you sign, we tell you who will collect your payments afterward. If something changes along the way, you hear it from us that day.
Mortgage Broker in Agoura Hills: Common Questions Answered
Will an appraiser understand a home with a barn and an arena?
My income comes through a loan out company. Can I still buy?
Does the 2018 fire still affect my loan or my insurance?
How does a lake community change the loan?
Can I buy here before my current home sells?
Is a jumbo loan my only choice in Agoura Hills?
What if I want to buy a rental here?
What should I have ready before I call?
About Mortgage Broker in Agoura Hills, CA
Three kinds of buyer end up in this town, and each one needs a different loan. On the ranch lots, big parcels with barns and arenas set the top of the market. Around the lake and up the canyon, hillside and lakefront homes fill the middle. Down in the village, smaller homes come closer to conventional prices.
Many families here work in film and television, and their money rarely arrives as a plain paycheck. Fees come through their own companies, and the year to year swings are wide. If that sounds like your household, a bank statement loan is usually the better road than averaged tax returns.
The 2018 fire changed the insurance picture on some hillside streets. A property in or near the burn area can need a specialty insurance carrier, and lenders react to that differently. We check it while choosing your lender, not after the appraisal has been paid for.
Our Los Angeles mortgage broker page covers the rest of the county. If you would rather skip the reading, tell us about your purchase and we will point you at the right loan.
Mortgage Broker programs in California → · Los Angeles County Mortgage Broker Overview → · Advanced Funding Solutions, NMLS #1277693 →
Other Loan Programs in Agoura Hills
Agoura Hills borrowers working with Advanced Funding Solutions have access to the full non-QM suite, not just mortgage broker. Whether you need jumbo loans in Agoura Hills , hard money loans in Agoura Hills, AFS routes your scenario across 100+ wholesale lenders to the one best positioned to fund it.
Mortgage Broker in Other California Cities
Tell us about the property
Tell us what you are buying and how your income arrives, and we will name the lenders most likely to say yes before you apply anywhere. Call (818) 478-2555 or send the form. Advanced Funding Solutions, NMLS #1277693, is a licensed mortgage brokerage in California. All loans are subject to credit, income, asset, property, and underwriting approval.
Ready for a Agoura Hills Mortgage Broker quote?
Advanced Funding Solutions, NMLS #1277693. Licensed in California. No call center. No junior LO handoff.