Beverly Hills Mortgage Broker
Buying at a price most banks will not finance, or holding your wealth in investments instead of a paycheck? We compare your loan across more than 100 wholesale lenders and tell you who will write it. The first call costs you nothing and commits you to nothing.
- ✓ NMLS #1277693
- ✓ Licensed in California
- ✓ Direct broker access
How a Mortgage Broker Helps You Buy in Beverly Hills
You are buying at a price where the usual mortgage rules stop applying, and your bank probably has one jumbo loan to offer you. A mortgage broker starts from the other end. We take the loan you need, compare it across more than 100 wholesale lenders, and bring back which ones want it and what each would ask of you. You apply once, to the lender you choose.
Why jumbo lenders disagree about you
Your loan leaves the national rulebook once it passes the conforming limit, which is the most Fannie Mae and Freddie Mac will buy. Above that line, every jumbo lender writes its own rules on credit, down payment, reserves (the cash you still hold after closing) and which income it will count. One lender may count all of a retirement account while another counts only part of it. That gap is the reason to compare before you make an offer. Get a quote before you write the offer.
The buyers we hear from most in this city
Most people who call us about a home here fit one of a few patterns. The first needs a super jumbo loan, because the price is past what a standard jumbo will cover. See if a jumbo loan fits your purchase. The second has real wealth in investments and a modest reported income. Others are buying from overseas, buying into a family trust, or buying the next home before the last one sells.
Each of those points to a different and smaller group of lenders. Knowing which group you belong to is the first thing we work out, usually in one phone call. Call (818) 478-2555 and we will tell you where you land.
Beverly Hills is almost entirely jumbo territory, and jumbo loans aren't standardized the way a conventional loan is. Different lenders have meaningfully different views on the same borrower. We look at your income structure, what your assets look like, the property itself, and how you want to hold title, then compare your loan across lenders before picking one. Getting that comparison done before you apply is the main thing we're here for.
When Your Loan Outgrows a Standard Jumbo
The house you want needs a bigger loan than most jumbo lenders will write. That is a super jumbo loan, and far fewer lenders offer one. Each of them draws its own line on the top loan amount, the credit score it wants, and how much cash you keep in the bank after closing. We keep track of who is actively writing them, so your application lands with a lender that wants it. See our jumbo loan overview.
When Your Wealth Sits in Investment Accounts
Plenty of buyers here hold far more in brokerage and retirement accounts than their tax return suggests. An asset depletion loan turns those balances into a monthly income a lender can work with. The lender takes your eligible accounts, spreads them across a set number of months, and qualifies you on the result. Lenders disagree on which accounts count and how much of a retirement account they will use. So one portfolio can support very different loan amounts, and we run yours against several formulas first. See our asset depletion loan overview.
Buying in the Name of Your Trust
Your estate attorney wants the house in your living trust, and that request is routine here. Vesting simply means whose name sits on the title. Most jumbo lenders handle a revocable living trust without trouble and read the trust document during underwriting. Buying a rental through an LLC is a different conversation, and only some lenders allow it. That kind of purchase often pairs with a DSCR loan, which qualifies on the rent. Tell us how you plan to hold title on day one, and we only approach lenders who accept it.
If You Earn or Save Outside the United States
Your income, your credit history or your savings live in another country, and a U.S. bank wants a U.S. credit report you do not have. Foreign national loans are built for that situation. The lender verifies your reserves abroad and accepts other proof of credit in place of a U.S. score. Which countries qualify and how much you need to put down differ from one lender to the next. The list of lenders doing this is short, so we start with the ones that already accept paperwork like yours.
Buying Before Your Current Home Sells
You found the next house, and the one you own has not sold yet. A bridge loan borrows against the equity you already hold, so you can close now instead of waiting. It is short term by design, paid off when your sale closes or replaced by a long term mortgage. The same kind of loan can also cover a property you plan to rebuild before a standard lender will finance it. We line up the bridge and the loan that replaces it together, so you know the way out before you go in. See our hard money loan overview.
If You Own Your Own Business
Your company pays you well, yet your tax return shows only what is left after every legitimate deduction. A bank statement loan reads 12 to 24 months of deposits instead of that return. At prices like these, you also need a lender that writes bank statement loans at jumbo size, and that group is narrower still. We find the lenders that do both and show you how each one would count your deposits. See our bank statement loan overview.
Your Beverly Hills Mortgage at a Glance
Who Calls Us About a Beverly Hills Home
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 →- Your purchase needs a loan bigger than most jumbo lenders will write
- Most of your money sits in brokerage, retirement or savings accounts instead of a paycheck
- Your attorney wants the home titled in your living trust
- Your income, credit or savings are documented outside the United States
- You want to buy the next home before the current one is sold
- You own a business and your tax return shows far less than you actually take home
How to Get a Mortgage in Beverly Hills
Tell Us About the House and Your Money
You do not need to gather anything yet. We want to know roughly how big the loan will be, where your money actually sits, and whose name will go on the title. Salary, business deposits, investment accounts and funds held overseas each point to different lenders. At this price, the right group is usually small, and those three answers find it. No credit inquiry happens on this call.
We Compare Lenders Before You Apply
With the loan size and your income picture in hand, we check which lenders are writing loans that large right now and how each one would count your assets. A buyer who needs a super jumbo and qualifies on a portfolio needs a lender comfortable with both at once. You see what each lender would ask of you before any application goes out.
One Application Goes to the Best Match
Your application goes to the lender whose requirements fit you best. That lender pulls credit, verifies your accounts, and gives you its rate and costs in writing. If you are buying in a trust, this is when the lender reviews the trust document, so keep your attorney's copy handy.
Appraisal, Approval and Closing
The lender orders the appraisal. Large, one of a kind homes have few recent sales to compare against, so this step can take longer here than on a typical house. We chase the paperwork and tell you what the appraisal says when it arrives. The lender approves and funds your loan, and we stay with you until the keys are yours. Advanced Funding Solutions is a licensed California mortgage brokerage and never funds loans itself.
Mortgage Broker in Beverly Hills: Common Questions Answered
Do I need a jumbo loan to buy in Beverly Hills?
What is a super jumbo loan?
Can I qualify on my investments instead of my income?
Can I buy the house in my trust's name?
Can I get a mortgage here if I live outside the U.S.?
Can I buy before my current home sells?
What does a Beverly Hills mortgage cost?
How do I get started?
About Mortgage Broker in Beverly Hills, CA
If you are shopping here, assume every serious option will be a jumbo loan. Practically nothing in the city trades below the conforming limit, and the top of the market sits past what a standard jumbo covers. So two questions come up early. How big is the loan, and which lenders are writing that size this month?
The next thing we see constantly is a buyer whose net worth is far larger than their reported income. Money held in brokerage accounts, retirement plans and business interests never shows up on a pay stub. Asset depletion and bank statement loans exist for exactly that gap, and at this price the lender has to handle both the size and the paperwork. Find out how asset depletion works.
Title and timing come up more often here too. Many purchases close into a living trust, some buyers bring funds from overseas, and plenty are moving from one home to the next with no gap in between. Each of those narrows the list of lenders. That is why we ask about them on the first call rather than in the fourth week.
For loan options across the county, see the Los Angeles mortgage broker page, or tell us about the house you want and we will point you at the right lenders.
Mortgage Broker programs in California → · Los Angeles County Mortgage Broker Overview → · Advanced Funding Solutions, NMLS #1277693 →
Other Loan Programs in Beverly Hills
Beverly 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 Beverly Hills , hard money loans in Beverly Hills, AFS routes your scenario across 100+ wholesale lenders to the one best positioned to fund it.
Mortgage Broker in Other California Cities
Talk it through before you make an offer
Tell us the loan amount you have in mind, where your money sits and whose name goes on the title. We will tell you which lenders are likely to write it 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 Beverly Hills Mortgage Broker quote?
Advanced Funding Solutions, NMLS #1277693. Licensed in California. No call center. No junior LO handoff.