Purchase, refinance, and home equity financing for California homebuyers and homeowners. Transparent pricing, fast processing, and a licensed loan officer who knows your file.
60 seconds · No credit pull · No obligation
All Surest Loans products are consumer-purpose residential mortgages originated by licensed MLOs. Every loan. Every time.
Conventional, FHA, VA, and jumbo financing for primary and secondary residences. Down payments from 3%.
Learn more →Rate-and-term and cash-out refinance on owner-occupied and second homes. Lower your payment or access equity.
Learn more →Bank statement, asset depletion, and P&L programs for self-employed borrowers — on owner-occupied properties.
Learn more →Government-backed financing with flexible credit requirements. VA loans with zero down for eligible veterans.
Learn more →High-balance financing above conforming limits for primary and second homes throughout California.
Learn more →Tap the equity in your primary residence for renovations, debt consolidation, or major expenses.
Learn more →Adjust the fields below. No credit pull required.
* 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.
Defined SLAs at every milestone — so you always know where your loan stands.
60-second intake. No credit pull. Get a rate range immediately.
Your LO collects docs. Clean file accepted within 1 business day.
Submitted to wholesale lenders. Conditions cleared with urgency.
Closing coordinated within 1 business day of clear-to-close.
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.”
“First time buying and they made it completely clear. I knew my rate, my payment, and what to expect at every single step.”
“Self-employed and thought I’d never qualify. They found a bank statement program that worked for my situation.”