Buying soon and need real numbers
Best next step: preapproval and a payment review so you know what price range, down payment, and monthly payment make sense.
Mortgage help for buyers, homeowners, self employed borrowers, investors, and more complex situations across California, with in person meetings available when helpful and full remote support statewide.
Clear answers. Fast follow up. Real options based on your actual numbers and goals.
Pick the lane that fits you best and start there.
Best next step: preapproval and a payment review so you know what price range, down payment, and monthly payment make sense.
Best next step: text me the basics. We can start with the scenario before you spend time gathering everything for a full application.
Best next step: compare conventional qualification against bank statement or other specialty options before assuming the file is difficult.
Best next step: review payment change, breakeven, equity, and long term fit instead of focusing only on one rate quote.
Buying or refinancing a home is a big financial move. My job is to simplify the process, explain the numbers clearly, and help you compare options that actually fit your goals.
A quick view of the loan types I help with most often across California.
Strong fit for many primary-home buyers and refinancers with stable income and solid credit.
Helpful for buyers who want more flexible qualification standards and a lower down payment structure.
For eligible veterans, service members, and qualified surviving spouses.
For higher-balance properties that may exceed standard conforming loan limits in your area.
Useful for self-employed borrowers or clients with more complex income documentation.
Investor financing and equity-based retirement planning both require very different strategy conversations.
Send the basics, like price range, estimated credit, down payment, income type, and property type. I can usually point you to the cleanest next step quickly.
Common California borrower situations, kept simple.
If you are buying for the first time, the most important thing is understanding a realistic payment range and what cash to close would actually look like.
Start preapproval →Bank statement, non-QM, and specialty options can matter when business write-offs make conventional qualification harder than it should be.
Review specialty options →Refinance decisions should be based on your full plan, not just a headline rate. A breakeven and equity review usually tells the real story.
Open refinance tools →If you are looking at an income-producing property, the numbers need to work both for underwriting and for your own long-term cash-flow goals.
Estimate investor numbers →These are the comparisons a lot of people search before they call. The goal is to make the tradeoffs easier to understand.
We start with your goal, timeline, income picture, assets, and the type of property or loan strategy you are considering.
I help you compare realistic options so you understand payment, cash to close, documentation, and the tradeoffs of each path.
Once the direction is clear, we line up documents, review the file structure, and move efficiently toward approval and closing.
I work with borrowers throughout California. Some clients like to meet in person. Many prefer to handle everything by phone, text, email, and virtual meetings.
Strategic Home Loans has public Google and Yelp reviews, so you can look at the company reputation before you ever reach out.
I help borrowers throughout California, including Southern California, Los Angeles County, Orange County, San Diego County, Ventura County, Santa Barbara County, the Central Coast, the Inland Empire, the Bay Area, and the Sacramento region, with a Westlake Village office available for in person meetings when needed.
Start with simple defaults. Open advanced options if you want to dial it in.
Enter a price and down payment to estimate monthly payment. Advanced lets you adjust rate, taxes, insurance, and HOA.
Estimate uses default assumptions for rate, taxes, insurance, and HOA. This is not a commitment to lend.
See payment change, savings, and breakeven. Simple inputs first. Advanced options cover cash out, taxes, insurance, and custom costs.
This is an educational estimate and not a commitment to lend. Rates, costs, and eligibility vary.
Estimate if rent covers payment. Advanced lets you adjust rate, taxes, insurance, and HOA.
This is an educational estimate and not a commitment to lend. Rates, costs, and eligibility vary.
Simple illustration for older homeowner equity planning, including reverse mortgage style scenarios. For an exact review, text me and I will run the real numbers.
Flexible options for unique income, high value properties, or new construction.
For self employed borrowers who want an alternative to tax return income.
Book a callFinance the build and convert to a permanent loan depending on program options.
Book a callPrograms designed for non US citizens buying property in the United States.
Book a callA quick look at loan limits and office information people often want before they reach out.
National one-unit conforming loan limit in most counties for 2026.
Upper one-unit conforming ceiling in designated high-cost areas.
Current 2026 Ventura County one-unit conforming and FHA high-balance limit.
Office location for Strategic Home Loans, with borrower support throughout California.
Most questions come down to payment, cash to close, timing, and whether the file fits. Here are some of the situations I help with most.
If you want a real point of contact instead of a national call center, you should be able to text, call, review options, and understand the path forward without chasing five different departments.
Westlake is where I am based, not the only place I help. Borrowers throughout California can work with me by phone, text, email, and virtual meetings, and in person meetings are still available when helpful.
Business owners, 1099 borrowers, investors, higher balance buyers, older homeowners, and harder files often need a more strategic review. That is where bank statement, DSCR, reverse mortgage, jumbo, and other specialty options can matter.
Not everyone is ready for a full application on day one. Sometimes the right first step is sorting out rough numbers, down payment strategy, or whether buying, refinancing, or waiting makes more sense.
A lot of people wait too long to ask simple questions. Here are the ones I hear most.
You do not need a perfect file just to start a conversation. A quick scenario review can usually tell you what matters most first.
That is fine. A rough review can still help you understand payment range, likely documentation, and whether the scenario looks clean.
That is exactly why specialty options exist. Self-employed, commission, investor, and non-standard files should be reviewed strategically, not dismissed quickly.
Most borrowers do not. A good first call is often less about choosing the final loan and more about narrowing down the right paths to compare.
A lot of borrowers are not ready for a full application when they first reach out. Sometimes they just want rough numbers, a second opinion, or a better read on whether the scenario looks workable.
That is normal. The right first conversation can clear up a lot quickly and keep you from wasting time on the wrong approach.
Some people are looking for first time buyer help. Others are comparing FHA with conventional, jumbo with conforming, bank statement with tax return qualification, or purchase versus refinance timing.
Some are trying to figure out whether a condo, multi unit, investor, reverse mortgage, trust, cannabis related, or other specialty situation still has a workable path. Those are the kinds of questions worth reviewing before you assume the answer is no.
If you already know what you want, great. If not, that is fine too. A good first conversation can save a lot of confusion later.
A short review can help you sort out payment range, likely cash to close, and whether the file looks strong enough to push forward right now.
Harder files often need a better game plan, not a generic answer. That is where the right structure can change the whole picture.
Lifestyle and equity planning conversations, including reverse mortgage options for eligible homeowners, should be handled carefully and clearly.
Below are some of the questions that come up most often for buyers, homeowners, self employed borrowers, investors, and specialty scenarios.
Tell me what you are trying to do, where you are in the process, and whether you want rough guidance or a real preapproval plan. I will help you sort through realistic options and what to focus on first.