Discover New Loan Programs with Personalized Solutions
The world of mortgage lending is ever-evolving, with new loan programs continuously emerging in the marketplace. At Approve Los Angeles, we stay at the forefront of these developments, ensuring that you have access to the latest and most innovative financing options.
Our extensive network of lenders allows us to offer a diverse range of loan programs, each with its own unique underwriting and approval process. Whether you are looking for a conventional loan, FHA loan, jumbo loan, VA loan, Non-QM loan, private money loan, or HELOC, we have the expertise to navigate through the intricacies of each program. Understanding that your financial situation is one-of-a-kind, we take a personalized approach to match you with the perfect loan program that suits your specific needs and aspirations. Our experienced team will work closely with you, answering your questions, addressing your concerns, and guiding you through the entire loan process.
Don't get overwhelmed by the complexities of mortgage options. Consult with us to discover the best loan program tailored precisely to your requirements. Let us be your trusted advisors on your journey towards achieving your homeownership and financial goals.
Superior Solutions = Superior Results
Financing options that range from $200,000 up to 8M+
A jumbo loan is a specialized mortgage designed for purchasing or refinancing high-value properties that exceed the conventional loan limits set by government-sponsored enterprises. At Approve Los Angeles, we offer jumbo loans with flexible terms and competitive rates, empowering you to secure your dream luxury home with ease. Whether you're looking to invest in a spacious estate or a prestigious penthouse, our jumbo loan solutions provide the financial support you need for a lifestyle beyond compare. Discover the possibilities of upscale homeownership with our expert guidance and personalized jumbo loan options.
An FHA loan, backed by the Federal Housing Administration, is an excellent option for first-time homebuyers and those with limited down payment capabilities. At Approve Los Angeles, we are proud to offer FHA loans with flexible qualifying requirements and lower down payment options. This government-insured program provides you with the opportunity to achieve homeownership without the burden of a substantial upfront payment.
With an FHA loan, you gain access to competitive interest rates and the security of a loan backed by a reputable federal agency. Our experienced team will guide you through the FHA loan process, making it easy for you to embark on your homeownership journey with confidence.
A conventional loan is a tried-and-true mortgage option suitable for a wide range of homebuyers. At Approve Los Angeles, we offer conventional loans with competitive interest rates and various term options, making them an ideal choice for those seeking stability and flexibility.
With a conventional loan, you can enjoy the benefits of financing without government backing, and it provides the freedom to explore a diverse range of properties. Whether you're a first-time buyer or an experienced homeowner, our expert team will assist you in finding the perfect conventional loan solution to fit your unique needs.
A VA loan is a special mortgage program exclusively available to veterans, active-duty service members, and eligible surviving spouses. At Approve Los Angeles, we are committed to serving those who have served our country by offering VA loans with exceptional benefits and no down payment requirement.
With a VA loan, you can enjoy competitive interest rates and flexible qualifying criteria, making it easier to achieve the dream of homeownership. This government-backed program ensures that our brave heroes receive the support they deserve when embarking on their homeownership journey.
A Non-QM (Non-Qualified Mortgage) loan is designed for borrowers who may not meet the strict qualifying standards of traditional mortgages. At Approve Los Angeles, we understand that financial circumstances can vary, and not all borrowers fit into conventional molds.
With our Non-QM loan options, we offer a flexible and inclusive approach to homeownership. Whether you're self-employed, have non-traditional income sources, or have unique credit circumstances, our Non-QM loans provide an opportunity to secure the financing you need.
The Debt Service Coverage Ratio (DSCR) is a critical financial metric used to evaluate the feasibility of real estate investments, especially for income-generating properties. At Approve Los Angeles, we recognize the significance of DSCR in ensuring financial stability and successful ventures for our valued clients.
DSCR represents the property's ability to generate sufficient income to cover its debt obligations, including mortgage payments, property taxes, and insurance. A DSCR of 1 or higher indicates that the property's net operating income is enough to cover its debt obligations entirely. A DSCR below 1 suggests potential cash flow issues and may raise concerns for lenders.
Private money loans, also known as hard money loans, are a valuable financing option for real estate investors seeking quick and flexible access to capital. At Approve Los Angeles, we specialize in offering private money loans tailored to meet the diverse needs of investors in the dynamic real estate market.
With private money loans, investors can seize time-sensitive opportunities, bridge financial gaps, and undertake renovations or property improvements to increase asset value. Unlike traditional lenders, private money loans focus less on credit history and more on the value and potential of the investment property.
A Home Equity Line of Credit (HELOC) is a powerful financial tool that allows homeowners to access their home's equity for various needs. At Approve Los Angeles, we offer HELOCs to empower homeowners with added flexibility and control over their finances.
With a HELOC, you can borrow against the value of your home up to a predetermined credit limit. This revolving line of credit functions much like a credit card, giving you the freedom to draw funds when needed and only pay interest on the amount borrowed.
What Our Customers Are Saying About Us
I have been shopping around for an HELC loan for a rental property and was turned down by the financial institutions. Alec made it possible for us to have a financing for an Investment Rental Property. He is so professional, giving updates as the Loan is processed and explains items that is hard to comprehend during the process. I highly recommend contacting him when you need "Financing" for your Investments.
Alec was so hopeful to us when we purchased our first home. He was very thorough and communicated well throughout the whole process. We appreciate his work ethic and will definitely work with him again. We recommend him to anyone looking to buy a home!
Alec has been such a pleasure to work with. He spent countless hours educating me on the way loans work and when time came to lock me the best rate in a turbulent time; he did. He has definitely gone above and beyond his duty as a loan agent exceeding my expectations. An A plus personality with an A plus skill set. Alec is very good at what he does. He’s been an amazing teacher, loan agent, and now friend.
I highly recommend Approve Los Angeles for your home financing needs. Alec has gone above and beyond to meet my family's expectations on our first home buying experience. Trust me when I say it wasn't an easy road, but Alec was there the whole way. If I could give this review 1000⭐️
Alec was great to work with. Had no issues. He clearly communicates throughout the process. I recommend Alec to anyone trying to buy a home. I look forward to working with him in the future.
Alec helped me and my brother get our first home. He was super communicative and helpful. He didn't give up when hard situations came with the banks. Very very grateful for your help Alec. You are the best! You will always be ecommended ! I Appreciate your help & Wish you the best 🙏
Such an amazing team! Alec and Davi made my 1st experience as Home owner so easy and painless. They are very knowledgeable each one in his field of expertise. They are very responsive and available to my questions via text/emails. I tried other agents before and none of them delivered as these two. If you have a project you can trust them they will work hard for you and make it fun. I will definitely use their services in the future and recommend them to all my friends.
Alec helped me and my husband purchase our first home. Right from the start I felt very confident and comfortable with him, he was professional and he answered all our questions and explained in great detail each step of the process. From beginning to end working with Alec was very easy. I would highly recommend him to family, friends or anyone that is looking for a professional trust worthy Mortgage Lender.
Alec worked with me to get a lower interest rate and shorter term mortgage refinance. I'm grateful the process was stress-free and completed in a timely manner. Alec is a friendly professional who cares about helping his customers get the best results. I will highly recommended him to my family and friends.
For my first time home buying experience, Alec was great to work with. Very professional and clearly communicates throughout the entire process. I would recommend Alec to everyone and will definitely be going back to him for future home purchases.
I've worked with Alec on various transactions over the past two years referring him business. The most recent transaction he did was my personal property and it was just as smooth as my clients have mentioned previously. He would respond within 24 hours which for me communication is key when working with a professional. Thanks again Alec!
Had an amazing home buying experience with Alec. Appreciate his willingness to get things done. His communication is spot on, always had time to answer any questions I had. The updates were great and timely. His organization and systems really facilitates and speeds up the process. He really cares and works hard to get what you need to purchase your home. I really look forward to working with him in the very near future. Thank you again!