Local Mortgage Broker in Santa Ana, CA. Unique In-Home/Office Loan Consultation. Our proprietary loan placement software matches your application with lenders having the lowest interest rate and closing costs. We offer a diverse array of mortgage products suited to borrowers with Excellent to Bad Credit. Broker Access To 60+ Mortgage Lenders

Welcome To The O.C. Mortgage Specialist. Our proprietary loan placement software matches your mortgage application with lenders having the lowest interest rate and closing costs. Rest assured knowing you're getting the very best loan scenario and mortgage broker pricing.

We offer a diverse array of mortgage loan products suited to borrowers with Excellent to Bad Credit.

Conventional, FHA, VA, Jumbo, and Purchase

Transaction types: Purchase, Rate/Term Refinance, Cash-Out Refinance, IRRRL and Streamline.

High Balance Fixed and ARM Options

HARP - (FNMA) DU Refi Plus - (FHLMC) Relief Refinance

Mortgage Insurance Options - Lender & Borrower Paid

Hight LTV & Low Down Payment Financing Options

Private Investor and Hard Money Loan Options

Ideal for borrowers with income/credit issues who have been turned down by their bank. These lenders offer flexible interest rates and fast fundings.

Program Highlights Include:

NO FICO/NO CREDIT OK - Bankruptcy/Foreclosure OK

Stated Income/Stated Assets | No Reserves or Seasoning

Non Owner and Owner Occupied Properties

Up to 75% LTV - Loans from $75,000 to $2.5 million

Bank Statement Qualifier (Business or Personal)

Perfect option for self employed borrowers needing to show their actual cash flow for qualification purposes.

90% Loan to Value - 50% Debt to Income Ratio - Credit Rating 600+

No Tax Returns - 12-24 Months Business/Personal Bank Statements

Loans from $150K to $3 Million - Jumbo Loans with 600+ Fico Score

No Pre-Payment Penalty for Owner 0ccupied and 2nd Homes

Asset Based Mortgage Qualification Guidelines

This Program Qualifies Borrowers Using Liquid Assets and Does Not Require Employment or Income to Justify Loan Repayment.

Credit Score 700+ 5 yr seasoning foreclosure, short sale or BK

Very Attractive Rates - Interest Only Financiang Available

Up to 75% LTV - Loan Amounts to $3 Million - Minimum $150K

All Assets Must Be Sourced and Seasoned -Minimum of 12 months

Foreign National Loans - No U.S. Credit Required