--- title: Home Loans — Purchase, Refinance, FHA/VA & Jumbo | Surest Loans description: "California home loans for every situation. Purchase, refinance, FHA, VA, and jumbo financing at wholesale rates. No broker fee. 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](https://www.surestloans.com/get-started?hsLang=en) 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](https://www.surestloans.com/get-started?hsLang=en) [See loan options](https://www.surestloans.com/home-loans#purchase) Prefer to talk? [(213) 867-4223](tel:+12138674223) · Mon–Fri 8am–6pm PT [Purchase loans Buy a home with as little as 3% down ›](https://www.surestloans.com/home-loans#purchase) [Refinance Lower your rate or access your equity ›](https://www.surestloans.com/home-loans#refinance) [FHA & VA loans Government-backed · VA with 0% down ›](https://www.surestloans.com/home-loans#fha-va) [Jumbo loans Finance above conforming limits in California ›](https://www.surestloans.com/home-loans#jumbo) [Investment & DSCR loans Handled by our partner, Surest Capital ↗](https://surestcapital.com) NMLS #2640412 California DFPI licensed Equal Housing Lender No broker origination fee Powered by Arive [Purchase](https://www.surestloans.com/home-loans#purchase) [Refinance](https://www.surestloans.com/home-loans#refinance) [FHA & VA](https://www.surestloans.com/home-loans#fha-va) [Jumbo](https://www.surestloans.com/home-loans#jumbo) [Investment ↗](https://surestcapital.com) 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](https://www.surestloans.com/get-started?hsLang=en) or call [(213) 867-4223](tel:+12138674223) ### 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](https://www.surestloans.com/get-started?hsLang=en) 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](https://www.surestloans.com/get-started?hsLang=en) or call [(213) 867-4223](tel:+12138674223) ### 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](https://www.surestloans.com/get-started?hsLang=en) 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](https://www.surestloans.com/get-started?hsLang=en) or call [(213) 867-4223](tel:+12138674223) ### 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](https://www.surestloans.com/get-started?hsLang=en) 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](https://www.surestloans.com/get-started?hsLang=en) or call [(213) 867-4223](tel:+12138674223) ### What to expect Jumbo loans — how we work Loan threshold Above the conforming limit for your California county — as high as $1,249,125 in high-cost areas. Timeline Pre-approval in 24–48 hours. Average close in 25–35 days. Fees No broker origination fee. Lender-paid compensation. Standard closing costs apply. [Get my jumbo rate](https://www.surestloans.com/get-started?hsLang=en) No credit pull required · No obligation · Rate subject to credit approval Investment & non-QM loans DSCR, fix & flip, or rental income? Investment property and business-purpose Non-QM loans are handled by our partner company, **Surest Capital**. Qualify on rental income, not personal income. LLC and entity borrowers welcome. DSCR loans — qualify on rental income Fix & flip financing Bridge & portfolio loans [Visit Surest Capital →](https://surestcapital.com) Payment estimator ## See your estimated *monthly payment.* Adjust the inputs and watch your payment update in real time. No credit pull, no obligation. Use this as a starting point — then let a licensed loan officer show you the actual rate. [Get my actual rate](https://www.surestloans.com/get-started?hsLang=en) ### Mortgage calculator Estimates only · No credit pull required Loan purpose PurchaseRefinance Loan type ConventionalFHAVAJumbo Home value / price ($) Down payment (%) Interest rate (%) Loan term 30-year fixed15-year fixed10-year fixed Monthly (P&I) $3,882 Loan amount $600,000 Down payment $150,000 [Get my actual rate](https://www.surestloans.com/get-started?hsLang=en) \* 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. Replace with verified Google or Zillow reviews before launch. These are placeholder testimonials showing format and structure. ★★★★★ “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](https://www.surestloans.com/get-started?hsLang=en) [or call (213) 867-4223](tel:+12138674223) #### 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. [(213) 867-4223](tel:+12138674223) ##### Loan products [Home loans overview](https://www.surestloans.com/home-loans?hsLang=en) [Purchase loans](https://www.surestloans.com/home-loans#purchase) [Refinance](https://www.surestloans.com/home-loans#refinance) [FHA & VA loans](https://www.surestloans.com/home-loans#fha-va) [Jumbo loans](https://www.surestloans.com/home-loans#jumbo) ##### Company [About](https://www.surestloans.com/about?hsLang=en) [Today's rates](https://www.surestloans.com/rates?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 is a DBA of Adel Capital Group LLC  ·  NMLS #2640412  ·  Licensed by the California Department of Financial Protection and Innovation  ·  Equal Housing Lender  ·  Consumer-purpose residential mortgage loans only  ·  Investment and business-purpose loans: visit surestcapital.com  ·  This is not a commitment to lend. Rates, terms, and availability subject to change  ·  (213) 867-4223  ·  Mon–Fri 8am–6pm PT  ·  [Privacy Policy](https://www.surestloans.com/privacy?hsLang=en) Equal Housing Lender NMLS #2640412 CA DFPI Licensed