Home loans from people who answer the phone.
Home equity, purchase and refinance anywhere in California, from a Woodland Hills office. We fund what we can in house and shop the rest across lenders, so you get the loan that fits instead of the one we happen to have.
Equity options start with a soft credit check that won’t affect your score, on our lending partner’s secure site. Buying or refinancing starts with Andrew’s application in about ten minutes.
- 2015Lending since
- 4.69★13 Zillow reviews
- #1390184Company NMLS
Where would you like to start?
Three common starting points. None of them commit you to anything.
Keep your first mortgage where it is Buying a home
FHA, VA, conventional and jumbo Refinancing
Lower the payment or change the term
Andrew Katz, your loan officerNMLS #1278283 · (805) 456-1201
Keep your low mortgage rate. Use your equity anyway.
If you locked a rate below what lenders charge today, refinancing means giving it up on your whole balance. A home equity line of credit (HELOC) is a second lien: it sits behind your first mortgage and leaves it exactly where it is.
- Your first mortgage and its rate stay untouched
- Draw what you need, when you need it
- Checking your options won’t affect your credit score
- The whole process runs online
Soft credit check. You’ll continue on our lending partner’s secure site and see where you stand in minutes.
Loan programs
Eight programs, and we’ll tell you plainly which ones you don’t qualify for.
Home equity line
A second lien that leaves your first mortgage and its rate alone. Draw what you need, when you need it.
VA
For veterans and active service. Usually the strongest pricing we can access, and no down payment in most cases.
Conventional, FHA and jumbo
The buying routes: standard W-2 files, lower down payment for first-time buyers, and loan amounts above the conforming limit, which in coastal California is most of the market.
Bank statement and DSCR
Non-QM programs for the self-employed and for investors whose tax returns don’t tell the whole story.
All eight programs, including bridge and commercial · Not sure? Tell us the situation and we’ll say which fits
A loan officer, not a call center
Andrew Katz handles your file from the first conversation to funding. One person who knows your situation and is reachable by phone, at a company licensed in California, Colorado and Idaho.
See where your file actually is
The Loanzify app shows what we’ve received, what’s still outstanding, and who’s waiting on whom. You and your realtor see the same screen we do, so nobody is guessing.
Your file
Illustration of the app’s file view.
Talk to someone today
Call (805) 456-1201 or send a note. A person reads it, usually the same day.
Contact us