Local Mortgage Broker in
Orange County

In Home/Office  Mortgage Loan Consultation

Understanding a Mortgage Can Be Confusing.  Our Specialists Are Here to Help You.  Talk to a Mortgage Consultant Today!
Call Now: 949-426-7128

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 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

    Very similar application process to a U.S. citizen  who wants to purchase or refinance a home in the United States.


    • No U.S. Credit Required - No Social Security Number or ITIN.
    • Up to 75% LTV - DTI to 50% - 12 month Cash Reserve Requirement
    • SFRs, Condos & Investment Properties - Seller Consessions to 2%
    • Loan to $750,000 - Minimum $75K - 5/1 ARM or 30 Year Fixed



     

Complete Loan Application
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Assigned Loan Officer: Nicholas Panos | 949-307-9881