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Expert Loan Assistance from Start to Finish
5-Star Rated Mortgage Broker
Residential & Commercial Loan Solutions
Partnering with Borrowers & Realtors for Success
Based in Los Angeles, Serving All of California

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Irina Dyakun, CEO

Frequently Asked Questions (FAQ)

What are the benefits of working with a local mortgage broker versus a bank?

A mortgage broker isn’t tied to a specific lender, meaning they can shop around and find the best rates and loan programs for you. Banks, on the other hand, only offer their own loan products, which may not always be the best fit for your needs.

Do you charge any upfront fees?

No! We don’t charge any upfront fees. You only pay us when your loan is successfully funded.

Can I get a loan if my property is titled under an LLC or a Trust?

Yes! As long as your property has sufficient equity, we can provide loan options for LLCs, LPs, Trusts, corporations, partnerships, and individuals.

How does my credit score affect my loan eligibility?

Your credit score plays a key role in determining your loan approval and interest rate. A higher credit score can help you secure lower rates and better terms, potentially saving you thousands over the life of your loan.

How long does the loan process take?

The timeline varies based on the type and size of your property. Contact us, and we’ll provide an estimate tailored to your situation.

What if I don’t know the current value of my property?

You’ll need an appraisal report. A licensed appraiser will compare your property to similar homes in the area and adjust for differences to determine its fair market value.

Can I use a co-borrower to qualify for a loan?

Yes! A co-borrower can help improve your debt-to-income ratio or contribute additional funds for a down payment. However, if one person has a significantly higher credit score, they may want to apply individually to secure better loan terms.

How can I apply for a loan?

There are two options: you can call us and talk to a loan advisor or fill out an online request form.

If I pay off my loan before it's due, do I have to pay the penalty?

Most programs do not have pre-payment penalties, however, some do. To avoid penalties check with your loan officer on the best program suitable for your needs.

Is my credit score too low to get a mortgage?

Firstly, you need an understanding of your credit. And to do that, find a mortgage lender that will guide you through the process. If you have a poor credit score, then community banks, credit unions and mortgage lenders might be a good option for you. Big banks usually don’t want to help borrowers with low credit score.

How can I know my FICO?

The Federal Trade Commission provides information on that. There you can also get a free copy of your credit report every year from three credit reporting companies.