Los Angeles Mortgage Broker & Mortgage Lender

Look for a licensed broker who offers more than one loan program, who asks about your specific goals (lower payment, smaller down payment, cash out, investment), and who will compare your options rather than quoting a single product. A strong local broker should also be familiar with your specific market — in Los Angeles, that means jumbo limits, self-employed income, and investment property financing.

A mortgage broker shops your loan across multiple lenders and loan programs to find competitive terms, while a direct lender funds the loan from its own resources. Some firms, like Equitable Lending, offer the benefits of both — a wide range of programs combined with hands-on, in-house service.

Yes. If you have a Loan Estimate, preapproval, or rate quote from another bank, lender, or broker, send it to us and our team will review the rate, APR, fees, discount points, monthly payment, and loan structure to see if we can offer a better overall deal.

Equitable Lending offers a wide range including conventional, FHA, VA, jumbo, first-time homebuyer, low down payment, refinance, cash-out refinance, HELOC and second mortgage, investment property, DSCR, bank statement, P&L, 1099, asset-based, and no-tax-return mortgage options where available.

In many cases, yes. No-tax-return mortgage programs and alternative documentation loans — such as bank statement loans, P&L programs, and DSCR loans — are available for qualifying borrowers who can document income through other means.

Absolutely. Self-employed borrowers can qualify using bank statements, profit and loss statements, 1099s, or even asset depletion. These alternative programs are designed for entrepreneurs, freelancers, and business owners whose income isn't fully reflected on traditional tax returns.

A bank statement mortgage qualifies a borrower based on 12–24 months of personal or business bank statements rather than tax returns or W-2s. It's a popular option for self-employed borrowers and small business owners with strong cash flow but complex tax filings.

A Debt Service Coverage Ratio (DSCR) loan qualifies an investor based on the property's rental income rather than personal income. If the property's rent comfortably covers the mortgage payment, you may qualify without traditional income documentation — ideal for real estate investors.

Yes. Equitable Lending provides jumbo and high-balance mortgages throughout Beverly Hills and nearby luxury markets, including options for high-value homes, complex income, and portfolio lending scenarios.

Yes. We serve borrowers across Beverly Hills ZIP code 90210 with jumbo financing, luxury home loans, and tailored programs for self-employed and high-net-worth buyers.

Yes. We serve West Los Angeles ZIP code 90025 with purchase, refinance, jumbo, and investment property financing, along with nearby communities like Westwood, Century City, Sawtelle, and Rancho Park.

Yes. We work with borrowers purchasing or refinancing homes, condos, and investment properties throughout Westwood ZIP code 90024 with conventional, jumbo, FHA, and alternative-income options.

Yes. We guide first-time buyers through preapproval, low down payment programs, FHA and conventional financing, and down payment assistance options so they can make a competitive offer with confidence.

Yes. We offer rate-and-term refinances, cash-out refinances, debt consolidation, mortgage insurance removal, and jumbo and investment property refinances to help you reach your financial goals.

Yes. Rental income can be used to qualify, most notably through DSCR loans that are underwritten based on the property's projected or actual cash flow rather than personal income.

Yes. We finance single-family rentals, multi-unit properties, short-term rentals where eligible, and LLC-owned properties where eligible, with DSCR, cash-out refinance, and alternative documentation programs for portfolio growth.

In many cases, preapproval can be completed quickly once we receive your basic information and documentation. Our team moves efficiently so you can submit offers and act on opportunities when they arise.

Typically we'll ask about your loan purpose (purchase or refinance), estimated property value or purchase price, down payment, credit profile, and income situation. If you already have a quote or Loan Estimate, sharing it helps us compare more accurately.