Malibu Mortgage Broker
Found the house, but the insurance, the permits or the price keep scaring lenders off? We compare your loan across more than 100 wholesale lenders and find the ones that already finance coastal homes. Tell us about the property. Asking costs you nothing.
- ✓ NMLS #1277693
- ✓ Licensed in California
- ✓ Direct broker access
Why a Malibu Home Narrows Your List of Lenders
You have the down payment, the income or the assets, and a house you love, and a lender still hesitates. On a coastal home that hesitation is usually about the property, not about you. We take your loan to more than 100 wholesale lenders and look for the ones that already finance homes like this one. You fill out one application, and only after we know who is likely to say yes.
Why the lender studies the house so closely
If you are buying near the sand or on a slope, the lender weighs the property almost as heavily as your finances. Three questions come up on nearly every purchase here. Can the home be insured, is the ground under it stable, and was the last remodel properly permitted? A lender that rarely sees coastal homes may not ask until weeks into the process. A lender that sees them often asks on the first day, which is when you want to hear it.
How insurance changes what you qualify for
You may find that a standard insurer will not cover a beachfront or bluff top home. Buyers in that spot usually turn to a non admitted carrier, also called the surplus lines market. That matters to your loan in two ways. Some lenders will not accept that kind of policy at all. And your premium is part of your monthly payment, so a bigger insurance bill lowers the loan amount you qualify for. We confirm which lenders accept your policy before your loan goes anywhere.
Permits, slopes and a tricky appraisal
Buyers here deal with a regulator most of California never meets. The California Coastal Commission reviews building and rebuilding across the coastal zone, which covers nearly the whole city. If a past remodel skipped that approval, some lenders will pass on the home. On a bluff or in a slide area, expect the lender to ask for a geological report on the slope. Oceanfront sales are few and far between, so the appraiser needs real experience valuing them. Get a quote and we will tell you which of these apply to your house.
Malibu is where you realize that lender selection is more than rate shopping. The right lender for a Carbon Beach or Point Dume transaction has to be comfortable with non admitted insurance, geological reports and Coastal Commission history on the property. It also has to accept appraisal comparables that don't look like anything else in California. That's a short list of lenders, and identifying them before you're halfway through an application is the whole point of working with a brokerage on this type of property.
When the Price Runs Past an Ordinary Jumbo
Most homes here sell above the conforming limit, the largest loan Fannie Mae and Freddie Mac will buy, and many go well past it. Past a certain size you are in super jumbo territory, and the number of willing lenders drops fast. Add a coastal property on top and the list gets shorter again. Each lender sets its own ceiling, down payment and cash reserve rules. We sort those out first, so you only talk to lenders whose limits fit your price. See our jumbo loan overview.
If Most of Your Money Is Invested
Your net worth is in brokerage and retirement accounts, and your monthly paycheck looks small next to the price of the house. An asset depletion loan turns eligible savings and investment accounts into a monthly income figure a lender can use. A pledged asset loan lets you put up investments as collateral instead of selling them for the down payment. Every lender runs this math with its own formula. We compare those formulas before you apply. See our asset depletion loan overview.
Rebuilding After Fire or Erosion
You own a lot, or want to buy one, where the house burned, eroded or simply needs replacing. A bridge loan lends against the property instead of your income, so you can buy now and build. When the new home is finished and appraised, you refinance into a permanent jumbo loan. Before any of that, confirm the Coastal Commission will actually allow the rebuild. Owning the lot does not give you that right on its own. See our hard money loan overview.
Buying a Second Home or a Rental
Plenty of buyers here already own a primary home somewhere else. A second home loan follows its own rules on down payment and occupancy. If you plan to rent the house out, a DSCR loan qualifies the property on its rent instead of your tax returns. Short term rental income is where lenders split. Some accept a market rent estimate, while others want a real rental history. We match you with the ones that read your numbers the way you need. See our DSCR loan overview.
Business Income Your Tax Returns Hide
You own a business, and your write offs make your taxable income look far smaller than what you really earn. A bank statement loan skips the tax returns. It reads 12 or 24 months of business or personal deposits and qualifies you on what actually came in. Lenders average those deposits in different ways, so the lender you pick changes your number. We check several before choosing one. See our bank statement loan overview.
Buying in a Trust or an LLC
You want the house held in a living trust, which is routine on large loans here. Vesting, meaning whose name goes on the title, is simple for most lenders when it is a standard revocable trust. It gets harder with co trustees, an irrevocable trust, or an LLC on a rental. Not every lender has seen those setups. We ask how you want to hold title on the first call. Send us the details and we will find lenders who are comfortable with it.
Your Malibu Mortgage at a Glance
Who We Help Most Often
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 an oceanfront or bluff top home and your loan is well past a normal jumbo size
- Your wealth sits in investment and retirement accounts, not in a monthly paycheck
- You are rebuilding after fire or erosion and need to buy or build before permanent financing
- You are buying a second home, or a house you plan to rent out short term
- You own a business and your tax returns understate what you actually earn
- You want to hold the home in a trust or, for a rental, an LLC
How to Get a Mortgage in Malibu
Tell Us About the House and How You Will Use It
You do not need documents yet. We want to know the rough price, whether the home is on the beach, a bluff or a hillside, and whether you will live there, visit or rent it out. Tell us how your income arrives, or where your assets sit. If you plan to rebuild, or you already have an insurance quote, mention that too. Call (818) 478-2555 and one conversation usually covers it.
We Find Lenders That Take Coastal Homes
Next we compare your loan against the lenders whose current rules fit both you and the property. That means ruling out anyone who will not accept a surplus lines policy, a slope report or an open permit question. If you need a bridge loan now and a jumbo loan later, we line up both at once. You see the comparison before you apply anywhere.
Your Loan Goes to the Best Match
We send one complete application to the lender that fits best, and that is when your credit gets checked. The lender orders the appraisal, and a geological report if the site needs one. It also reviews your insurance and the title. Your rate, points and closing costs come to you in writing, as state and federal law requires. We read each report as it lands and tell you what it means.
The Lender Approves and Funds Your Loan
The lender makes the final decision and funds the loan. We stay with you through closing, chase the last documents and keep escrow moving. Advanced Funding Solutions is a licensed California mortgage brokerage. We never underwrite or fund loans ourselves, and that is exactly why we can put your loan in front of so many lenders.
Mortgage Broker in Malibu: Common Questions Answered
Can I get homeowners insurance on a Malibu home?
Does the Coastal Commission affect my mortgage?
Can I qualify on my investments instead of my income?
How do I finance a teardown or fire rebuild in Malibu?
Can I buy a Malibu home to rent out short term?
How do I get started?
About Mortgage Broker in Malibu, CA
If you are shopping here, it helps to know that homes fall into roughly three groups, and each one raises different lender questions. Beachfront homes sit right on the sand. Bluff top homes look over the water from higher ground. Hillside and canyon homes sit back from the coast. The whole coastline falls under Coastal Commission review, so permit history matters on every one of them.
Beachfront homes bring the hardest insurance and appraisal questions. Erosion history and tidal line easements show up in the title review, and recent comparable sales can be scarce. Bluff top homes and parcels in slide areas usually need a geological report before the lender will move ahead. Neither is a dead end. Each one simply shortens the list of lenders who will do the loan.
The hillside and canyon areas carry a different history. The 2018 Woolsey Fire destroyed homes across those parts of the city, and fire risk still drives insurance costs and rebuild plans. Some buyers purchase an older house on purpose, to rebuild it to current fire hardening standards. That usually means a bridge loan first and a jumbo loan after, with the Coastal Commission permit setting the pace.
Many buyers here are purchasing a second home, and some plan to rent it out. Others are rebuilding a house they already own. Our office is in Calabasas, and we bring 25 years of mortgage and real estate experience. For loan options across the county, see our mortgage broker in Los Angeles page, or tell us what you are looking at and we will point you to the right lenders.
Mortgage Broker programs in California → · Los Angeles County Mortgage Broker Overview → · Advanced Funding Solutions, NMLS #1277693 →
Other Loan Programs in Malibu
Malibu borrowers working with Advanced Funding Solutions have access to the full non-QM suite, not just mortgage broker. Whether you need jumbo loans in Malibu , hard money loans in Malibu, 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 Malibu home you want
Tell us what the house is, how you plan to use it and how your money is held. We will tell you which lenders are 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 Malibu Mortgage Broker quote?
Advanced Funding Solutions, NMLS #1277693. Licensed in California. No call center. No junior LO handoff.