--- title: White Version — Surest Loans — Home Loans Built Around Your Life description: "California mortgage brokerage offering purchase, refinance, FHA, VA, jumbo, and Non-QM home loans. Licensed by CA DFPI. NMLS #2640412." --- Surest Loans · NMLS #2640412 · CA DFPI Licensed · Equal Housing Lender [(213) 867-4223](tel:+12138674223) Mon–Fri 8am–6pm PT [![Surest Loans](data:image/png;base64,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) SUREST LOANS California Mortgage Brokerage](https://www.surestloans.com/?hsLang=en) [Home loans](https://www.surestloans.com/home-loans?hsLang=en) [Refinance](https://www.surestloans.com/home-loans#refinance) [Rates](https://www.surestloans.com/get-started?hsLang=en) [About](https://www.surestloans.com/about?hsLang=en) [MLOs](https://www.surestloans.com/mlo?hsLang=en) [(213) 867-4223](tel:+12138674223) Get pre-qualified California mortgage brokerage · NMLS #2640412 # Home loans built around your life Purchase, refinance, and home equity financing for California homebuyers and homeowners. Transparent pricing, fast processing, and a licensed loan officer who knows your file. Get pre-qualified — 60 seconds [See loan options →](https://www.surestloans.com/home-loans?hsLang=en) Prefer to talk? [(213) 867-4223](tel:+12138674223) · Mon–Fri 8am–6pm PT ### Get Pre-Qualified Today 60 seconds · No credit pull · No obligation Step 1 of 3 — Loan type33% Buy a Home Refinance Cash-Out Refi FHA & VA Estimated purchase price or home value Select a range Under $300,000 $300,000 – $500,000 $500,000 – $750,000 $750,000 – $1,000,000 $1,000,000 – $1,500,000 Over $1,500,000 Estimated credit score Select a range 760+ — Excellent 720–759 — Very Good 680–719 — Good 640–679 — Fair Below 640 Not sure Continue No credit pull · 256-bit encrypted Step 2 of 3 — Your situation67% Primary income type Select income type W-2 employee Self-employed / business owner 1099 contractor Retired / fixed income Other When are you looking to close? Select a timeframe As soon as possible — 0–30 days 1–3 months 3–6 months 6–12 months Just exploring Property city or zip code Continue ← Back Step 3 of 3 — Contact info100% First name Last name Email address Phone number Your information is encrypted and never sold. By submitting you consent to be contacted by a licensed Surest Loans loan officer. Get My Free Rate Quote ← Back ### You’re all set, *there*. A licensed loan officer will reach you within **1 business hour**. [Can’t wait? Call (213) 867-4223](tel:+12138674223) NMLS #2640412 California DFPI licensed Equal Housing Lender Consumer-purpose residential mortgages Powered by Arive Loan products ## The right loan for where you are All Surest Loans products are consumer-purpose residential mortgages originated by licensed MLOs. Every loan. Every time. #### Purchase loans Conventional, FHA, VA, and jumbo financing for primary and secondary residences. Down payments from 3%. [Learn more →](https://www.surestloans.com/purchase-loans?hsLang=en) #### Refinance Rate-and-term and cash-out refinance on owner-occupied and second homes. Lower your payment or access equity. [Learn more →](https://www.surestloans.com/refinance?hsLang=en) #### Non-QM / alternative income Bank statement, asset depletion, and P&L programs for self-employed borrowers — on owner-occupied properties. [Learn more →](https://www.surestloans.com/non-qm?hsLang=en) #### FHA & VA loans Government-backed financing with flexible credit requirements. VA loans with zero down for eligible veterans. [Learn more →](https://www.surestloans.com/fha-va?hsLang=en) #### Jumbo loans High-balance financing above conforming limits for primary and second homes throughout California. [Learn more →](https://www.surestloans.com/jumbo?hsLang=en) #### HELOC & home equity Tap the equity in your primary residence for renovations, debt consolidation, or major expenses. [Learn more →](https://www.surestloans.com/heloc?hsLang=en) ##### Looking for DSCR or investment property financing? Investment and business-purpose loans are handled by our partner company, Surest Capital. Visit surestcapital.com for DSCR, fix-and-flip, and rental portfolio loans. [Visit Surest Capital →](https://surestcapital.com) --- Payment estimator ## See your estimated payment Adjust the fields below. No credit pull required. Loan purpose Purchase Refinance Cash-out refinance HELOC / home equity Purchase price / value ($) Down payment (%) Estimated rate (%) Loan term 30-year fixed 15-year fixed 10-year fixed Property tax / yr (est.) ($) Est. monthly payment (P&I) $3,397 Loan amount $520,000 Est. total monthly (w/ tax) $4,064 Lock your rate → or call [(213) 867-4223](tel:+12138674223) \* Estimated payment for illustration purposes only. Does not include mortgage insurance, HOA fees, or homeowner's insurance. Rates are subject to change. Contact a licensed loan officer for a personalized quote. Surest Loans NMLS #2640412. --- How it works ## From application to close Defined SLAs at every milestone — so you always know where your loan stands. 1 #### Pre-qualify online 60-second intake. No credit pull. Get a rate range immediately. 2 #### Submit your file Your LO collects docs. Clean file accepted within 1 business day. 3 #### Underwriting & approval Submitted to wholesale lenders. Conditions cleared with urgency. 4 #### Close & fund Closing coordinated within 1 business day of clear-to-close. --- Social proof ## What our borrowers say Real clients. Real closings. Replace with verified Google / Zillow reviews before launch. ★★★★★ “Closed in 22 days. The team knew exactly what was needed — no surprises at the table and no repeat document requests.” James T. Homebuyer · Los Angeles, CA ★★★★★ “First time buying and they made it completely clear. I knew my rate, my payment, and what to expect at every single step.” Maria L. First-time homebuyer · Sacramento, CA ★★★★★ “Self-employed and thought I’d never qualify. They found a bank statement program that worked for my situation.” Kevin R. Business owner · San Diego, CA 24 hrs Pre-approval turnaround 1 day Clean file intake SLA 100% Wholesale — no retail markup CA DFPI licensed brokerage SL Hi — I’m the Surest Loans assistant. I can help you get pre-qualified, check rates, or find the right loan program. What brings you in today? I want to buy a home I want to refinance I’m self-employed Prefer to call instead ## Are you a licensed loan originator? Surest Loans offers top-producing MLOs a 100% compensation plan — keep every dollar you earn and pay only a flat platform and per-loan operations fee. No revenue split. No commission cap. 100% commission available 1099 independent contractor Dedicated processor support Arive-powered platform [Explore the platform →](https://www.surestloans.com/mlo?hsLang=en) [Calculate your earnings](https://www.surestloans.com/mlo#calculator) #### Surest Loans A California residential mortgage brokerage focused on consumer-purpose home loans. We broker loans — we do not fund or service them. All loans subject to credit approval and applicable law. [(213) 867-4223](tel:+12138674223) ##### Loan products [Purchase loans](https://www.surestloans.com/purchase-loans?hsLang=en) [Refinance](https://www.surestloans.com/home-loans#refinance) [FHA & VA](https://www.surestloans.com/fha-va?hsLang=en) [Jumbo](https://www.surestloans.com/jumbo?hsLang=en) [Non-QM (owner-occupied)](https://www.surestloans.com/non-qm?hsLang=en) [HELOC & home equity](https://www.surestloans.com/heloc?hsLang=en) ##### Company [About](https://www.surestloans.com/about?hsLang=en) [Our team](https://www.surestloans.com/team?hsLang=en) [Contact](https://www.surestloans.com/contact?hsLang=en) [Blog](https://www.surestloans.com/blog?hsLang=en) Investment loans [Surest Capital ↗](https://surestcapital.com) DSCR & business-purpose loans ##### For loan officers [Join our platform](https://www.surestloans.com/mlo?hsLang=en) [Comp plans](https://www.surestloans.com/mlo#comp-plans) [MLO FAQ](https://www.surestloans.com/mlo#faq) [Apply to join](https://www.surestloans.com/mlo#apply) Surest Loans · NMLS #2640412 · Licensed by the California Department of Financial Protection and Innovation · Equal Housing Lender · Consumer-purpose residential mortgage loans only. For investment and business-purpose loans, visit surestcapital.com. This is not a commitment to lend. Rates, terms, and availability subject to change without notice. Not available in all states. (213) 867-4223 · Mon–Fri 8am–6pm PT Equal Housing Lender NMLS #2640412 CA DFPI Licensed