Key facts
- Larz Martin, NMLS #2026245, is licensed to originate mortgages in California through Lumin Lending, Inc. (NMLS #2716106).
- Access to 100+ wholesale lenders for purchases, refinances, home equity and investor loans.
Lending in California
- High-cost counties have higher conforming and FHA loan limits, so many loans that would be jumbo elsewhere still qualify as conforming here.
- Lots of California homeowners are sitting on a low first-mortgage rate and big equity. A HELOC or home equity loan lets you use that equity without giving up the rate.
- California is a community property state, which can affect which documents a spouse signs and how a spouse's debts are treated on government-backed loans.
- Self-employed borrowers and business owners can qualify with bank statements, 1099s or a P&L on non-QM programs.
Popular programs in California
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 →JumboFinancing above the conforming loan limit.Learn more →Non-QM / Bank StatementQualify with bank statements, 1099s, a P&L or your assets.Learn more →
Every program available in California
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 →DSCR / InvestorRentals qualified on the property's income, not your tax returns.Learn more →Reverse MortgageAge 55+ on select programs. No monthly mortgage payment.Learn more →HEI (Home Equity Investment)Cash from your equity with no monthly payments and no new loan.Learn more →CommercialMultifamily, mixed-use and other income property, case by case.Learn more →
Programs and availability vary by location within California. 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.
