Surest Loans · NMLS #2640412 · CA DFPI Licensed · Equal Housing Lender
(213) 867-4223 Mon–Fri 8am–6pm PT
California Home Loans · NMLS #2640412

The right loan
for your next move.

Purchase, refinance, government-backed, and high-balance loans — all brokered at wholesale rates with no broker origination fee.

Get pre-qualified — 60 seconds See loan options
Prefer to talk? (213) 867-4223 · Mon–Fri 8am–6pm PT
Purchase loans
Buy a home with as little as 3% down
›
Refinance
Lower your rate or access your equity
›
FHA & VA loans
Government-backed · VA with 0% down
›
Jumbo loans
Finance above conforming limits in California
›
Investment & DSCR loans
Handled by our partner, Surest Capital
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NMLS #2640412
California DFPI licensed
Equal Housing Lender
No broker origination fee
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Purchase Refinance FHA & VA Jumbo Investment ↗
Purchase loans

Buy your home
with confidence.

Surest Loans brokers purchase financing through our wholesale lender network — giving you access to rates and programs that retail banks simply don't offer.

  • Pre-approval in 24 hours
    Make competitive offers with a credible pre-approval letter in hand. A clean file gets a commitment within one business day.
  • Down payments from 3%
    Conventional, FHA, and VA programs available to fit your down payment situation — including options for first-time buyers and veterans.
  • No broker origination fee
    Our compensation is lender-paid. You pay no broker origination fee at closing. Wholesale savings come directly to you.
Conventional FHA VA Jumbo 30-year fixed 15-year fixed Primary & second home
Get pre-qualified
or call (213) 867-4223

What to expect

Purchase loans — how we work

Timeline
Pre-approval in 24 hours. Average close in 21–28 days.
Fees
No broker origination fee. Lender-paid compensation. Standard closing costs apply.
Your loan officer
Licensed California MLO. Reaches out within 1 business hour of your pre-qual submission.
Start my pre-qualification

No credit pull required · No obligation · Rate subject to credit approval

Refinance

Lower your rate.
Keep more every month.

Whether you want to reduce your monthly payment, shorten your loan term, or put your equity to work — a refinance through Surest Loans moves quickly and costs less than you expect.

  • Rate-and-term or cash-out
    Lower your interest rate, shorten your term, or convert equity to cash for renovations, debt consolidation, or any major expense.
  • FHA and VA streamline available
    Eligible FHA and VA borrowers can refinance to a lower rate with a simplified process — less documentation, faster close.
  • No broker origination fee
    Same lender-paid structure as our purchase loans. You pay no broker origination fee at closing — the savings are built into your rate.
Rate & term Cash-out FHA streamline VA streamline Primary & second home
See my refinance options
or call (213) 867-4223

What to expect

Refinance — how we work

Timeline
Rate quote same day. Average close in 18–25 days.
Fees
No broker origination fee. Lender-paid compensation. Standard closing costs apply.
Next step
Pre-qualify online in 60 seconds. No credit pull required.
Get my refinance rate

No credit pull required · No obligation · Rate subject to credit approval

FHA & VA loans

Government-backed loans.
Real advantages.

FHA opens the door for buyers who need more flexibility. VA gives eligible veterans and active military the most powerful home purchase benefit available — zero down, no PMI, competitive rates.

  • FHA — more flexibility, less down
    FHA loans accept a wider range of credit profiles and down payment situations than conventional loans. Ideal for first-time buyers.
  • VA — zero down, no PMI, ever
    Eligible veterans and active military can purchase with zero down payment and no private mortgage insurance — a benefit unmatched by any other program.
  • Streamline refinance available
    Existing FHA and VA borrowers can refinance to a lower rate through a simplified process with reduced documentation requirements.
FHA purchase VA purchase FHA streamline VA streamline 30-year fixed 15-year fixed
Check my eligibility
or call (213) 867-4223

What to expect

FHA & VA — how we work

Timeline
Pre-approval in 24 hours. Average close in 21–30 days.
VA eligibility
Veterans, active duty, and eligible surviving spouses.
Fees
No broker origination fee. Government loan funding fees may apply.
Check my eligibility

No credit pull required · No obligation · Rate subject to credit approval

Jumbo loans

Buying in California?
You may need jumbo — and that’s fine.

In Los Angeles, San Diego, and the Bay Area, the conforming loan limit reaches $1,249,125. If your loan is above that threshold, you need a jumbo loan. The process is easier than you think.

  • Down payments from 10%
    Many buyers assume jumbo loans require 20% or more down. Our wholesale lenders offer jumbo programs starting from 10% down — making high-value California homes more accessible.
  • Same process as a conventional loan
    Jumbo loans go through the same steps as any other mortgage — pre-qualification, application, underwriting, close. The loan amount is larger; the experience should not feel harder.
  • Rates that may surprise you
    Jumbo loan rates are not always higher than conforming rates. Depending on the lender and your profile, jumbo rates can be competitive with — or lower than — conventional rates.
Purchase Refinance 30-year fixed 15-year fixed ARM options Primary & second home
Get my jumbo rate
or call (213) 867-4223

What to expect

Jumbo loans — how we work

Loan threshold
Above the conforming limit for your California county — as high as $1,249,125 in high-cost areas.
Timeline
Pre-approval in 24–48 hours. Average close in 25–35 days.
Fees
No broker origination fee. Lender-paid compensation. Standard closing costs apply.
Get my jumbo rate

No credit pull required · No obligation · Rate subject to credit approval

Investment & non-QM loans
DSCR, fix & flip, or rental income?
Investment property and business-purpose Non-QM loans are handled by our partner company, Surest Capital. Qualify on rental income, not personal income. LLC and entity borrowers welcome.
DSCR loans — qualify on rental income
Fix & flip financing
Bridge & portfolio loans
Visit Surest Capital →
Payment estimator

See your estimated
monthly payment.

Adjust the inputs and watch your payment update in real time. No credit pull, no obligation. Use this as a starting point — then let a licensed loan officer show you the actual rate.

Get my actual rate

Mortgage calculator

Estimates only · No credit pull required

Monthly (P&I)
$3,882
Loan amount
$600,000
Down payment
$150,000
Get my actual rate

* Estimate for illustration only. Does not include taxes, insurance, or mortgage insurance premiums. Contact a licensed loan officer for a personalized rate. NMLS #2640412.

How it works

From pre-qual to close

Defined SLAs at every milestone. You always know exactly where your loan stands.

1

Pre-qualify in 60 seconds

No credit pull. Tell us your loan purpose and financial picture and we match you to the right program immediately.

2

Loan officer contact

A licensed California MLO reaches out within 1 business hour to review your options, lock your rate, and collect documents.

3

Processing & underwriting

Your file is submitted to our wholesale lender within 2 business days of clean file acceptance. Conditions cleared fast.

4

Close & fund

Closing coordinated within 1 business day of clear-to-close. Average timeline: 21–28 days for most loan types.

Borrower stories

Real clients. Real closings.

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★★★★★

“Pre-approval came back in 18 hours. My loan officer walked me through every step and never made me feel rushed. We closed in 23 days.”

Sarah M.
First-time homebuyer · Los Angeles, CA
Closed in 23 days · Conventional purchase
★★★★★

“Used my VA benefit for the first time. Zero down, no PMI, and a rate lower than anything I found on my own. This team knows VA lending.”

Marcus D.
Veteran · San Diego, CA
0% down · VA purchase · No PMI
★★★★★

“Refinanced and cut my payment by $410 a month. Every fee was explained upfront. No surprises at the table.”

Jennifer K.
Homeowner · Sacramento, CA
$410/mo savings · Rate & term refinance
Ready to start?

Get pre-qualified
in 60 seconds.

No credit pull. No obligation. A licensed loan officer will follow up within 1 business hour.

Start my pre-qualification or call (213) 867-4223