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Loan Programs HELOC / HELOAN Refinance & Cash-Out Conventional FHA VA Jumbo Non-QM / Bank Statement DSCR / Investor Reverse Mortgage HEI (Home Equity Investment) Commercial All loan programs →
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Loan Programs

Every major program from one broker. Pick the closest fit; I'll confirm the right one for your property, credit and goal.

Find your options Book a call or call (949) 281-4050

Use your equity

5-Day HELOCHELOC / HELOANTap your equity and keep your first mortgage. Includes the 5-Day HELOC.Learn more →Refinance & Cash-OutLower your rate, shorten your term, or take cash out.Learn more →HEI (Home Equity Investment)Cash from your equity with no monthly payments and no new loan.Learn more →Reverse MortgageAge 55+ on select programs. No monthly mortgage payment.Learn more →

Buy or refinance a home

ConventionalStandard financing for primary homes, second homes and rentals.Learn more →FHAFlexible credit and 3.5% down on primary homes.Learn more →VAFor eligible veterans and service members. $0 down, no monthly MI.Learn more →JumboFinancing above the conforming loan limit.Learn more →

Self-employed & investors

Non-QM / Bank StatementQualify with bank statements, 1099s, a P&L or your assets.Learn more →DSCR / InvestorRentals qualified on the property's income, not your tax returns.Learn more →CommercialMultifamily, mixed-use and other income property, case by case.Learn more →

Not sure which program fits?

That's normal. Answer a few questions and I'll point you to the right one, or tell you honestly if waiting is the better move.

Find your options

Rates and program availability vary by state, property and lender. This is not a rate quote, a credit decision, an offer or a commitment to lend. Program restrictions apply. Larz Martin NMLS #2026245 · CA DRE #02241936 · Lumin Lending, Inc. NMLS #2716106 · CA DRE #02291443. Equal Housing Opportunity.