About Us
Welcome to ID
Meet Our Leadership
Irina Dyakun - CEO/Mortgage Broker
NMLS ID #1119530
Irina’s main focus is on helping a client. With this scope after 9 years of experience in the mortgage industry, she founded ID Mortgage Broker Financial Group.
Her expertise, quality advisory services, and client-oriented business model helped hundreds of first time home buyers, investors, and industry professionals to achieve their goals. Irina leads the strategic direction, service offerings, oversight of delivery quality and internal operations.
Alex Davidov - Loan Officer
NMLS #1907301
Alex is a results-oriented person with a passion for individual and organizational transformation. With experience living on 2 continents, Alex leads ID Mortgage growth efforts by partnering with clients to architect results-driven management solutions.
Alex has spent 6 years in sales and management strategy projects, operational excellence and innovation platforms across a broad range of industries.
We Know What Works
For years we have been helping people to qualify for purchasing and refinancing properties in Los Angeles and California
We are one of the most competent mortgage broker companies in California and the United States. We provide the best assistance when it comes to mortgage loans.
We will guide you every step and will help you to achieve your goal of home purchasing or refinancing that the best terms and rates.
We will find a perfect home program for you depending on your goals, available funds, and your plans for the future. We are delivering results not just talking about them.
We think in terms of solutions and not problems. Our professionals look at every problem as a stepping stone to the bright future.
How DSCR Loans Work in Michigan
Lenders focus on the rental income the property can generate compared to the amount owed on the loan. This calculation is called the Debt-Service Coverage Ratio, or DSCR.
DSCR = Net Operating Income ÷ Loan Payment
If the property earns enough to cover the loan payments, it is often considered a good investment risk. A DSCR above 1.0 shows that the property generates more income than it costs to finance.
Why DSCR Loans Are Ideal in North Carolina
North Carolina continues to draw attention from serious investors. Cities like Raleigh, Charlotte, Durham, and Greensboro grow year after year. New construction, expanding job markets, and steady population gains shape a strong foundation for rental demand.
Local housing needs stay high due to:
- Students attending major universities such as UNC, Duke, and NC State.
- Tech and finance professionals are relocating for work.
- Healthcare workers supporting large hospital systems.
DSCR loans in North Carolina are ideal for investors who want to tap into this high-demand, high-growth market without traditional income hurdles. The conditions are right. The demand is real. North Carolina gives investors a solid path to build long-term returns.
A fix and flip loan is a short-term loan used to purchase cheaper properties, renovate (fix) them and sell (flip) them at a higher rate than the buying cost to get the profit. House flipping is a good option of investment that involves purchasing inexpensive houses and selling them after renovation to get a good amount. Thinking about becoming an investor in California? Consider fix & flip.
If you considering getting a traditional loan, the lender or bank will deeply evaluate your credit history, which is an extensive and time taking process. You may also be disqualified from the conventional loan if you have a low credit score. Fix and flip rehab loans will save you from a long documentation process. Saving time means also saving money and energy.
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
Why Paying Off Your Mortgage Early is a Smart Move
Paying off your mortgage ahead of schedule comes with incredible benefits. Imagine a life free from monthly mortgage payments—more financial freedom to travel, invest in your children’s future, or explore new opportunities without the weight of debt holding you back.
If you’ve financed your home with a mortgage, there’s a good chance you’ll eventually want to own it outright as soon as possible. Paying off your loan early gives you full ownership of your home and saves you thousands in interest over time.
Who Qualifies for an Airbnb Loan?
Airbnb mortgage lenders understand that not every borrower fits the traditional mold and that’s a good thing. While each lender may have slightly different guidelines, most will look at a few key factors:
Let’s Work Together
We are open to partnerships with agents, borrowers, and investors. It’s easy to start your home loan process today with our mortgage specialists! You will feel our support every step of the way.
Why Choose Us
We give our clients the best buying experience thanks to education and the latest information that our brokers have. We are bilingual and happy to provide you with a consultation on English or Russian languages. Why choose us and not some other mortgage broker agency?
At ID Mortgage Broker, we pride ourselves on being the go-to homebuyer and homeowner option throughout California. Our mission is to provide quality mortgage solutions tailored to your unique financial needs, whether purchasing your first home, refinancing an existing mortgage, or investing in property.
Expertise and Experience
Our team comprises licensed professionals with years of experience in the mortgage industry; therefore, guiding you through the complex mortgage process is easy for us. We pride ourselves on maintaining a thorough knowledge of market trends and an ever-changing array of lending products to ensure the best advice and solutions for our valued customers.
Personalized Service
We know that every client has different financial goals and situations. Because of this, we can offer personalized service to your needs with mortgage solutions. From the initial consultation to the final closing, we are committed to making it as smooth and problem-free as possible.
Client-Centered Approach
Our client-centered approach means we prioritize your best interests at every step. We listen, answer your questions, and provide transparent and honest advice. Our goal is to establish long-term relationships based on trust and satisfaction.
Accessible and Convenient
Conveniently located in Sherman Oaks, we serve clients throughout California. Meet us in person, over the phone, or through a virtual meeting to suit your busy schedule. We make the mortgage process easy and accessible no matter where you are.
Comprehensive Mortgage Solutions
We offer a range of mortgage products to meet your needs:
- First-time home buyer loans: Conquer the process of buying a home with ease and confidence.
- Refinancing: You can decrease your interest rate, lower your monthly payment amount, or use the equity in your house.
- Jumbo loans: Finance luxury properties with loan balances that exceed conforming limits.
- VA loans: Get the benefit of particular loans for veterans and active-duty service members.
- Construction loans: Finance your dream home build from start to finish.
Have Questions? We Have the Answers!
Please don't hesitate to contact us. We are a friendly, Los Angeles-based mortgage broker company here for YOU!
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
How DSCR Loans Work in Michigan
Lenders focus on the rental income the property can generate compared to the amount owed on the loan. This calculation is called the Debt-Service Coverage Ratio, or DSCR.
DSCR = Net Operating Income ÷ Loan Payment
If the property earns enough to cover the loan payments, it is often considered a good investment risk. A DSCR above 1.0 shows that the property generates more income than it costs to finance.
Why DSCR Loans Are Ideal in North Carolina
North Carolina continues to draw attention from serious investors. Cities like Raleigh, Charlotte, Durham, and Greensboro grow year after year. New construction, expanding job markets, and steady population gains shape a strong foundation for rental demand.
Local housing needs stay high due to:
- Students attending major universities such as UNC, Duke, and NC State.
- Tech and finance professionals are relocating for work.
- Healthcare workers supporting large hospital systems.
DSCR loans in North Carolina are ideal for investors who want to tap into this high-demand, high-growth market without traditional income hurdles. The conditions are right. The demand is real. North Carolina gives investors a solid path to build long-term returns.
A fix and flip loan is a short-term loan used to purchase cheaper properties, renovate (fix) them and sell (flip) them at a higher rate than the buying cost to get the profit. House flipping is a good option of investment that involves purchasing inexpensive houses and selling them after renovation to get a good amount. Thinking about becoming an investor in California? Consider fix & flip.
If you considering getting a traditional loan, the lender or bank will deeply evaluate your credit history, which is an extensive and time taking process. You may also be disqualified from the conventional loan if you have a low credit score. Fix and flip rehab loans will save you from a long documentation process. Saving time means also saving money and energy.
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
Why Paying Off Your Mortgage Early is a Smart Move
Paying off your mortgage ahead of schedule comes with incredible benefits. Imagine a life free from monthly mortgage payments—more financial freedom to travel, invest in your children’s future, or explore new opportunities without the weight of debt holding you back.
If you’ve financed your home with a mortgage, there’s a good chance you’ll eventually want to own it outright as soon as possible. Paying off your loan early gives you full ownership of your home and saves you thousands in interest over time.
Who Qualifies for an Airbnb Loan?
Airbnb mortgage lenders understand that not every borrower fits the traditional mold and that’s a good thing. While each lender may have slightly different guidelines, most will look at a few key factors:
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