Whether you're buying a home, looking to lower your mortgage payment, or facing financial challenges, explore financing options tailored to Southern California homeowners.
Serving LA County, Orange County, Inland Empire & Beyond
Mortgage Options for Every Situation
Purchase · Refinance · Payment Relief · FHA · VA · Jumbo · Non-QM
From Los Angeles to Orange County, the Inland Empire to Ventura County, California homeowners and buyers have diverse needs. Explore the financing paths that may fit your goals — whether you're purchasing, refinancing, or navigating financial challenges.
Explore FHA, VA, conventional, and jumbo loan options across Southern California. Discover what you may qualify for and how much home you can afford.
If rates have changed since you financed, exploring refinance options could potentially lower your monthly payment or let you access your home's equity.
If you're falling behind on your mortgage, understanding your options early matters. Explore potential paths — but eligibility always depends on your individual situation.
We don't promise results. We help you understand the mortgage options that may be available based on your specific financial situation, loan type, credit profile, and program guidelines. Loan approval, terms, rates, and eligibility are subject to underwriting.
Understand the main loan types available to California homeowners and buyers — and how they may fit your goals.
Government-backed home loans with lower down payment requirements (as low as 3.5%) and flexible credit guidelines.
May be worth exploring for first-time buyers and borrowers with lower down payments.
Zero-down-payment mortgages for eligible veterans and active-duty service members, with competitive rates.
Available to qualified veterans, service members, and eligible surviving spouses.
Standard mortgage products with flexible terms. Down payments as low as 3–5% may be available for eligible borrowers.
Options include fixed-rate and adjustable-rate terms.
For high-value properties in markets like Los Angeles, jumbo loans can finance amounts above conforming limits.
Often used for higher-priced California real estate.
Alternative documentation loans (bank statement, asset-based, etc.) for self-employed and non-traditional income borrowers.
Explore alternative income documentation options.
Loans for real estate investors that may evaluate property cash flow (DSCR) rather than relying solely on personal income.
Popular for rental properties and investment portfolios.
Your mortgage interest rate directly impacts your monthly payment and long-term cost. If you're a homeowner in Los Angeles, Orange County, or anywhere in Southern California, understanding what affects your rate can help you make smarter financing decisions.
Several factors influence the rate you may be offered:
Your credit profile is one of the most significant factors affecting your rate. Higher scores typically help lenders offer more favorable terms.
A larger down payment (or more home equity when refinancing) may help you qualify for better terms.
FHA, VA, conventional, jumbo, and non-QM products each carry different rate structures and eligibility criteria.
National mortgage rate trends and economic conditions affect the rates available at any given time.
The takeaway: A working with a mortgage professional to compare current options may help you identify whether a lower rate is realistically available for your situation.
For many California homeowners, refinancing may be a path toward a lower payment, a better rate, or accessing home equity — but it's not right for everyone.
Replace your current mortgage with a new one, potentially at a lower rate or with a different term. This may help reduce your monthly payment or shorten your payoff timeline.
Tap into your home's accumulated equity to access cash for renovation, debt consolidation, or other financial needs — while maintaining a first mortgage on your property.
Refinancing involves closing costs. Understanding your break-even timeline — how long you'll need to stay in the home to recoup those costs — is important before deciding.
Rates have moved favorably since you financed
Your credit has improved since your last loan
You've built significant home equity
You plan to stay in the home long enough to recoup costs
Refinancing isn't always the right choice. Factors like current rates, your remaining loan balance, closing costs, and how long you plan to stay in your home all matter. A mortgage professional can help you evaluate whether refinancing is worth exploring.
Missing mortgage payments can be stressful and overwhelming. If you're a homeowner in Los Angeles, Long Beach, Pomona, Inglewood, or anywhere in Southern California, and you're falling behind, understanding what happens next — and what options may exist — is important.
Importantly: Mortgage financing is not automatically the solution for every distressed homeowner. Whether refinancing, selling, or other options make sense depends on many factors — including your equity, credit, income, the type of loan you have, and timing.
The earlier you explore options, the more potential paths may be available. Waiting can limit your choices.
California is generally a non-judicial foreclosure state, meaning foreclosure can proceed without court involvement in many cases. The timeline depends on your loan, servicer, and specific situation.
Depending on your situation, potential options may include loan modification, selling the property, refinancing (if you qualify), or discussing alternatives with your lender or a housing counselor.
Important: No mortgage professional can guarantee stopping a foreclosure. Eligibility for any assistance or refinance program depends on your financial circumstances, loan type, equity, credit, income, timing, and lender/program requirements.
From the coast to the Inland Empire, Equitable Lending assists borrowers with a range of mortgage needs.
LA, Burbank, Glendale, Pasadena, Long Beach, Santa Monica, Torrance, Inglewood & more
Irvine, Anaheim, Santa Ana, Huntington Beach, Newport Beach & more
San Bernardino, Ontario, Rancho Cucamonga, Fontana, Victorville & more
Riverside, Moreno Valley, Corona, Temecula, Murrieta & more
Ventura, Oxnard, Simi Valley, Thousand Oaks & more
California's real estate market is one of the most dynamic in the nation. Whether you're navigating high home prices, exploring refinance opportunities, or facing payment challenges, a mortgage professional familiar with local markets can help you understand the options available for your situation.
TALK TO A CALIFORNIA MORTGAGE PROFESSIONALCommon questions about mortgage financing, refinancing, and foreclosure in California.
Whether you're buying, refinancing, or navigating financial challenges, a conversation with a mortgage professional can help you understand what may be possible.
Tell us about your situation, and let's determine which options may be worth discussing — with no obligation and no pressure.
Loan approval, terms, rates, and eligibility are subject to underwriting, program guidelines, property requirements, and applicable law. Not all borrowers will qualify. This page is for educational purposes and does not constitute personalized mortgage advice. Equal Housing Opportunity.
Learn more about the programs and resources that may fit your situation.
Equitable Lending | Company NMLS 1124483
Licensed mortgage professional serving borrowers throughout California.
Important: The information on this page is for educational purposes and is not personalized mortgage advice. Mortgage options, rates, and eligibility vary by program, lender, and borrower. Loan approval, terms, rates, and eligibility are subject to underwriting, program guidelines, property requirements, and applicable law. Not all borrowers will qualify. For foreclosure-related matters, mortgage financing is not an automatic solution and eligibility depends on your specific financial situation, equity, credit, income, timing, and lender or program requirements. Equal Housing Opportunity.
