Los Angeles County · California

Mortgage Broker in Los Angeles County

You can buy a large home in the hills or a first condo in the Valley, and both sit in Los Angeles County. The loan that fits each one is different. We compare 100+ wholesale lenders and match you to the one that fits your income, your property and your down payment.

NMLS #1277693 Calabasas, CA Office Licensed in California Multi-Lender Access

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One County, Very Different Buyers

You may be buying where nearly every home sits above the conforming limit, or where an FHA loan is the normal choice. That split decides which loan makes sense. A broker with 100+ wholesale lenders can compare both paths for you. The lender approves and funds your loan, and we find the lender that fits.

If you run a business in the Valley or the foothills, your tax return likely shows less than your bank account does. A bank statement loan qualifies you on 12 to 24 months of deposits instead. It is the main loan for self employed buyers in Glendale and a common one in Woodland Hills.

"Los Angeles County is not one market. A business owner in Glendale may need a bank statement loan. A buyer in Bel Air needs a lender that handles very large loans. A first time buyer in Long Beach may do best with FHA. We start with the buyer, then find the lender."
Advanced Funding Solutions · NMLS #1277693 · Calabasas, CA

Which Loan Fits Which Part of the County

Find the card closest to your purchase. Most buyers end up mixing two of them, and we help you sort out which comes first.

Jumbo Loans for Hillside and Westside Homes

Above the conforming limit, you need a jumbo loan. On the Westside that covers most homes. Lenders differ on reserves and on how they count income, so we compare them for you. Buyers in Bel Air often need an asset based loan on top of that.

Conventional and FHA Loans for First Homes

If you are buying your first home in Long Beach, conventional and FHA loans usually fit best. The FHFA sets conventional limits and HUD sets FHA costs. Ask us which one leaves you the lower monthly payment.

DSCR Loans for Rental Buyers

If you are buying a rental, a DSCR loan counts the rent it earns instead of your paycheck. Rental buyers in Santa Monica and along the Long Beach waterfront use it often.

Asset Depletion Loans for Buyers With Big Savings

If your wealth sits in investments and not in a paycheck, an asset depletion loan turns part of those balances into income the lender can count. Buyers in Beverly Hills often qualify this way.

Short Term Loans for Rebuilds and Fast Closings

If you are rebuilding after a fire, or need to close before you sell another property, a short term hard money loan can bridge the gap. Our Los Angeles County hard money page explains how these work.

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What Happens After You Call

You want to know if a loan can work before you hand over anything. On the first call we ask about the property, how you earn and what you plan to put down. It costs nothing, and we do not pull your credit.

When you decide to go ahead, you sign a written application and the lender pulls your credit. Within three business days the lender must send a Loan Estimate with the rate, points and closing costs in writing. Closing time depends on the appraisal, title, escrow and how fast you send papers, and we cannot promise a date.

Questions From Los Angeles County Buyers

How many months of bank statements does a bank statement loan need?

Bank statement loans look at 12 to 24 months of deposits. The lender adds them up to estimate what you earn, so a longer history gives it more to work with. If your tax returns already show strong income, a conventional loan usually costs less, and we will tell you so.

What counts as a jumbo loan in Los Angeles County?

A jumbo loan is any loan above the conforming limit. The Federal Housing Finance Agency sets that limit every year, and Los Angeles County has a high cost limit of its own. On the Westside and in the hills, most purchases need a jumbo loan, so reserves and income rules matter more than the loan name.

Can I buy a rental here without showing my own income?

Often yes. A DSCR loan, short for debt service coverage ratio, qualifies the property on its rent instead of your paycheck. The lender divides the rent by the mortgage payment and sets the lowest ratio it will accept. It also decides how much short term rental income it counts.

Do you serve the San Fernando Valley from Calabasas?

Yes. Our office is on Calabasas Road, inside Los Angeles County, and we work with buyers across the Valley and the rest of the county. Where you live changes which loans fit, not whether we can help.

Can I use my investments to qualify instead of a paycheck?

Yes, on an asset depletion loan. The lender treats part of your savings and investments as monthly income and decides how much of each account counts. It fits buyers whose wealth sits in accounts and not in a salary.

What do you need from me before we talk?

Very little. We ask what you are buying, how you earn, your credit profile and the loan amount you want. We do not pull your credit on that first conversation.

License and Disclosures

Advanced Funding Solutions, NMLS #1277693, is a licensed mortgage brokerage in California. All loans are subject to credit, income, asset, property, and underwriting approval. Equal Housing Opportunity.

Loans to Explore Next

Bank Statement Loans → DSCR Loans → Jumbo Loans → Short-Term / Bridge → Bridge Financing, LA County → Mortgage Broker, OC → Mortgage Broker, Ventura → All Loan types → Start a Consultation →

Tell Us About Your Los Angeles County Purchase

Tell us what you are buying, how you earn and what you can put down. We will show you which loan types fit and which lenders to compare, at no cost.

Get a Quote → Call (818) 478-2555