HOME LOANS SIMPLIFIED

Discover The Rate You Could Have

Save With Our Very Low Cost Loan

WHAT IS THE PURPOSE OF THE LOAN YOU WANT A QUOTE FOR? *

BUYING A HOUSE

REFINANCE TO LOWER MY INTEREST RATE

CASH OUT

WHEN DO YOU THINK YOU WILL START THE PROCESS OF BUYING THIS PROPERTY?

WITHIN 30 DAYS

IN 2 - 3 MONTHS

IN 3 - 6 MONTHS

It's ok if you are not sure yet, just Give us your best Guess

DO YOU HAVE A PREFERRED CITY FOR YOUR NEW PROPERTY?

WHAT IS YOUR BUDGET OR PRICE RANGE FOR THIS PROPERTY? *

WHAT IS YOUR BUDGET INTENTION FOR DOWN PAYMENT? *

WHAT MONTHLY PAYMENT ARE YOU CONFORTABLE WITH FOR YOUR NEW HOME?

CASH OUT

HOW MUCH CASH WOULD YOU LIKE TO RECEIVE *

WHAT IS YOUR CURRENT INTEREST RATE? *

HOW MUCH DO YOU CURRENTLY OWE ON YOUR PROPERTY?

HOW MUCH IS YOUR MONTHLY MORTGAGE PAYMENT?

DO YOU HAVE YOUR MORTGAGE WITH IMPOUND ACCOUNT?

Taxes and Insurance are included in my payment

I pay my taxes and insurance separatly

Your taxes and insurance are included in the payment or they are paid separately?

HOW MUCH IS YOUR MONTHLY PROPERTY TAXES? *

HOW MUCH IS YOUR MONTHLY OR ANNUAL HOME OWNERS INSURANCE? *

HOW MANY INDIVIDUALS ARE APPLYING FOR THIS MORTGAGE? *

I AM THE ONLY ONE

ME AND ANOTHER PERSON

ME AND 2 OTHER PEOPLE

WHAT IS YOUR CURRENT EMPLOYMENT STATUS? *

EMPLOYED

SELF EMPLOYED

RETIERED

WHAT IS THE LENGTH OF YOUR CURRENT EMPLOYMENT STATUS? *

HOW MUCH IS THE MONTHLY INCOME INCLUDING TAX PAID, FOR ALL BORROWERS? *

WHAT IS THE LOWEST FICO SCORE AMONG ALL BORROWERS? *

How would you like us to communicate with you?

Phone Call

SMS

Email

Full Name *

Phone *

Email *

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LETS MEET

I am BuyingReceive up to $8,000

I want To Lower My Interest RateSave with No Cost Loan

I Need Cash OutGet More Cash with Lower cost

ABOUT OUR COMPANY

Why Should You Choose Us?

You will have access to the entire mortgage procedure at your fingertips. Our loan processing is handled by our AI flow system, which enables us to pass on the cost of human processing to our customers. Our service is entirely online, through a highly secure and encrypted application, which will minimize the loss or confusion of submitting or processing documents.

lightning speed loan with our AI loan processing flow.

Highly competitive rate, we beat pretty much any rate in the market

the lowest cost you possibly can find.

20

YEARS OF EXPERIENCE

100%

Customer Satisfaction Rate

100%

Online A to Z Loan Process

WHAT WE OFFER

Our Core Service

Variety of Loan Product Which Helps Tailor the loan to fit your needs

Purchase Home Loan

You can buy a home by choosing from a variety of loan programs that align with your financial qualifications and needs.

Conventional with as low as 3% down payment

FHA with as low as 3.5% Down Payment

VA with 0% Down payment

USDA with 0% Down payment

Refinance Cash out

Cash-out refinancing can be highly beneficial for consolidating debt, combining multiple mortgages, or financing home improvement projects, providing greater financial flexibility.

Conventional - cash out up to 80% of the property value

FHA - cash out with 85% of the property value

VA - cash out can be up to 100% of the property value

Refinance Rate and Term

Rate and Term refinancing is designed to help lower your interest rate when market rates drop or adjust your mortgage term to 30, 20, or 15 years, depending on your needs.

Conventional - up to 95% of the Home Value

FHA will be done Streamline which cover 100% of the loan.

VA IRRRL will cover 100% of the loan

Home Equity Mortgage

A Home Equity Mortgage is an excellent way to access tax-free cash without modifying your first mortgage. Currently, this loan type allows borrowing up to 80% of the property's value.

Second Mortgages can go up to 89.99% of the property value

Second mortgage are fully amortized 30yr, 20yr, or 10yr.

minimum credit score to obtain Home equity mortgage is 680.

Home Loans For Investors

The Investor Program is specifically designed for experienced real estate investors who are purchasing or refinancing properties intended for long-term business use or investment purposes.

Investment Purchase

Investment Rate and Term

Investment cash out

Bank Statement

Special loans are available for self-employed borrowers who have strong cash flow but need creative qualification solutions due to high recorded debts and expenses.

tax return will not be required

Debt to income is up to 50%

Bank statements used to prove income

Our Team

David Rivas

Ashley Tostado

Diane Contreras

Ben O'neil

MANHATTAN BEACH MORTGAGE AND REAL ESTATE

Navigating the Mortgage Landscape in Manhattan Beach

In 2024, the city of Alhambra, CA, finds itself at the heart of a booming real estate market. With a robust surge in home prices and a mortgage industry bustling with activity, residents and prospective homebuyers are navigating a landscape filled with opportunities and challenges. Amid these dynamic conditions, Alhambra Mortgage Lender emerges as a crucial ally, offering innovative solutions to make home ownership more accessible and affordable in Alhambra.

The Rising Real Estate Market in Manhattan Beach

The real estate scene in Manhattan Beach is characterized by a significant upward trend, with median home prices reaching around $3.2 million, marking an average increase of approximately 8.7% year-over-year. This escalation in prices is coupled with a competitive market environment where homes frequently sell above their listing price, often within less than a month on the market. Such conditions underscore the high demand and spirited buyer competition prevalent in the city.

Manhattan Beach Mortgage Lender: A Partner in Home Financing

In this competitive landscape, Manhattan Beach Mortgage Lender stands out by offering tailored mortgage solutions that cater to the diverse needs of Manhattan Beach’s residents. Recognizing the hurdles of securing favorable mortgage rates, the company leverages its local expertise and extensive network to provide some of the best rates available. This is crucial in a market where securing a mortgage at a competitive rate can significantly impact the overall affordability of homeownership.

Innovative Mortgage Solutions

Manhattan Beach Mortgage Lender isn't just about finding you a loan; it's about finding the right loan that fits your life. Their commitment to innovation is evident in their automated loan processing system. This cutting-edge technology simplifies the mortgage application process, making it faster, more efficient, and less cumbersome for applicants. By reducing the paperwork and streamlining the steps required to secure a loan, the company not only enhances the customer experience but also speeds up the journey to homeownership.

Educational Resources and Customer Support

Understanding that the mortgage process can be daunting, Manhattan Beach Mortgage Lender places a strong emphasis on education and transparency. They offer a wealth of resources aimed at demystifying mortgage terms, rates, and processes. Their dedicated team of professionals is always ready to provide personalized advice and support, ensuring that clients make informed decisions that best suit their financial and personal circumstances.

Community Impact

The impact of Manhattan Beach Mortgage Lender extends beyond individual homebuyers to the broader community. By facilitating more accessible home financing, the company plays a pivotal role in the economic vitality of Manhattan Beach. Homeownership is a critical driver of local economic activity, spurring growth in home-related purchases and improvements, and contributing to overall community development and stability.