Your Home. Your Rate. Done Right.
We compare rates from 160+ lenders to find the perfect mortgage for you. Close in as few as 21 days. Full service in English and Spanish.
Find the Right Loan for You
Whether you are buying your first home, investing in property, or refinancing for a better rate, we have a program tailored to your goals.
Conventional Loans
Traditional financing with competitive rates and flexible terms. Ideal for borrowers with good credit and a solid down payment.
As low as 3% downFHA Loans
Government-backed loans with flexible qualification requirements. Great for first-time buyers or those rebuilding credit.
3.5% down paymentVA Loans
Exclusive benefits for veterans and active-duty service members. Thank you for your service — let us help you get home.
Zero down paymentJumbo Loans
Financing for high-value properties that exceed conventional loan limits. Custom terms for luxury homes and premium real estate.
Loan amounts over $766,550Non-QM Loans
Flexible solutions for self-employed borrowers, bank statement programs, and asset-based qualification. When traditional lending does not fit.
Bank statements acceptedRefinance
Lower your rate, shorten your term, or access your equity. We shop 160+ lenders to find the refinance that saves you the most.
Lower your monthly paymentDSCR / Investor Loans
Qualify based on rental income, not personal income. Designed for real estate investors building a portfolio of income-producing properties.
No personal income verificationHow It Works
From application to closing, we keep it simple and transparent. Here is your path to homeownership.
Apply Online
Fill out our simple application in minutes. No credit pull required for your initial consultation.
Get Pre-Approved
Receive your pre-approval letter in as little as 24 hours. Shop with confidence.
Shop 160+ Lenders
We compare rates across our network of lender partners to find your best deal. You sit back.
Lock Your Rate
When you find the right rate, lock it in. We walk you through every detail so there are no surprises.
Close in 21 Days
Our streamlined process means you can close fast. Get your keys and start making memories.
Mortgage Calculators
Run the numbers before you talk to a lender. These tools give you a clear picture of what to expect.
The Advantage of Working With Us
Big banks offer one set of rates. We shop 160+ lenders to find the rate and program that actually fits your life.
Big Bank
- One set of products and rates
- Retail pricing with built-in margins
- Call centers and rotating contacts
- Works for the bank, not for you
- English only at most branches
The Mortgage Company
- 160+ lenders competing for your business
- Wholesale rates not available to the public
- One dedicated loan officer, start to finish
- Legally required to act in your best interest
- Full service in English and Spanish
Our Mortgage Experts
California licensed mortgage broker. Dedicated to finding you the best rate. We answer our phones.
Daniel Rodriguez
Branch Manager / Loan Officer
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Over 15 years of experience in residential lending. Specializes in first-time buyer programs and non-QM solutions for self-employed borrowers.
Maria Fernandez
Senior Loan Officer
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Bilingual mortgage specialist focused on VA and FHA loans. Passionate about helping families achieve the dream of homeownership.
James Mitchell
Loan Officer
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Specializes in jumbo loans and investment property financing. Known for creative solutions on complex deals that other lenders turn away.
Sofia Gutierrez
Loan Processor
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Bilingual loan processor who ensures every file moves smoothly from application to closing. Detail-oriented and always accessible.
Real Results for Real Families
"My husband and I are both self-employed, and every bank turned us down. The Mortgage Company found us a Non-QM program and closed our loan in just 18 days. We could not believe it. They made what felt impossible completely painless."
"As a veteran, I was told I could use my VA benefit but nobody explained how. Maria walked me through every step in Spanish and English. I bought my first home with zero down payment. I will recommend them to every veteran I know."
"I was about to sign with my bank when a friend told me to call The Mortgage Company first. They found me a rate nearly a full point lower. Over 30 years, that is tens of thousands of dollars I kept in my pocket. I only wish I had called sooner."
Sample Mortgage Rates
See where rates stand today. Your actual rate depends on credit, loan amount, and other factors.
| Program | Rate | APR | Monthly Payment* |
|---|---|---|---|
| 30-Year Fixed | 6.750% | 6.892% | $2,076 / $320K loan |
| 15-Year Fixed | 6.000% | 6.198% | $2,700 / $320K loan |
| FHA 30-Year | 6.375% | 7.241% | $1,997 / $320K loan |
| VA 30-Year | 6.250% | 6.478% | $1,970 / $320K loan |
| Jumbo 30-Year | 6.875% | 6.952% | $4,600 / $700K loan |
| 5/1 ARM | 6.125% | 7.104% | $1,944 / $320K loan |
*Rates shown are for illustrative purposes only and are subject to change without notice. Your actual rate may vary based on creditworthiness, loan amount, property type, and other factors. Contact us for a personalized quote. Payment amounts shown are principal and interest only.
Get Notified When Rates Drop
Sign up for rate alerts and we will let you know when the market moves in your favor.
Ready to Get Started?
Call us, fill out our form, or visit us. We are here to help, in English or Spanish.