The Ultimate
Mortgage Experience.
Endless loan options personalized to suit all your needs.
# WHAT YOU CAN EXPECT
What We Have To Offer:
Showcasing a range of loan options tailored to fit the needs of first time buyers and investors alike, we provide solutions to solve even the biggest obstacles to the home buying process.
Conventional Financing
Ideal for borrowers with strong credit, stable income, and the ability to make a down payment, often appealing to those looking for a more traditional mortgage product.
Homeready Fannie Mortgage
A Fannie Mae loan designed to help low‑ to moderate‑income borrowers with flexible guidelines and down payments as low as 3%. It’s ideal for buyers who want affordable financing, reduced mortgage insurance costs, and expanded options for qualifying income.
High Balance Mortgage
A loan designed for areas with higher home prices, allowing borrowers to finance amounts above standard conforming limits. It’s a great option for buyers who need more borrowing power while still benefiting from many conventional loan features.
Renovation Loans For Buyers
Allows homebuyers to finance both the purchase of a property and the cost of improvements in a single mortgage. It’s a great option for buyers who want to customize a home, tackle repairs, or add value right from the start.
# MEET GONZALO
Our Philosophy is simple: give people an incredible deal on their mortgage and to provide extraordinary customer service along the way.
We strive to develop a personal relationship with each and every client before, during, and after their transaction. Our goal is to customize each loan based not only on our customers finances, but their lifestyles. We hope to offer a truly unique and streamlined experience while remaining available and accessible to our customers at any time.
20+ Years Experience
Top 100 Mortgage Brokers in The Country
100% Referral Based
# CHOOSE YOUR SERVICE
Loan Options
We offer a variety of loans and services to our growing clientele including:
Self Employed Individuals
For self-employed individuals or those with significant write-offs, traditional loan programs can sometimes be limiting. In these cases, we can explore nontraditional options which evaluate income based on cash flow or gross earnings rather than net income reported on tax returns.This approach often provides greater flexibility and can more accurately represent your financial strength when determining qualification.
Bank Statement Financing
Investor Cash Flow / Debt Service Coverage Ratio Loans
P&L and 1099 Only Financing
Limited Down Payment, Lower Credit Scores.
Best suited for first-time homebuyers or buyers with challenges with saving towards a down payment and/ or closing costs. We have a variety of low down payment and down payment assistance products.
Down Payment Assistance
FHA
Home Ready / Home Possible
AND MORE…
Do You Have Questions? Please Go Through Frequently Asked Questions First/ GL EDIT
We can break down the most common mortgage questions with clear, detailed answers to help buyers understand their options and feel confident throughout the home‑loan process.
{question 1: How long does the mortgage process take?}
The full mortgage process typically takes 25–45 days, depending on the loan type, how quickly documents are provided, and the complexity of the property. Steps include application, underwriting, appraisal, and final approval. Staying responsive and organized can help speed things up and keep the process smooth.
{question 2: How much do I need for a down payment?}
Down payment requirements vary by loan type, but many buyers are surprised to learn they can purchase a home with as little as 3% down on certain conventional loans. Larger down payments can lower your monthly payment and help you avoid mortgage insurance, but first‑time buyers and qualifying borrowers often have access to low‑down‑payment programs designed to make homeownership more accessible.
{question 3: What credit score do I need to qualify for a mortgage?}
Most mortgage programs require a minimum credit score of around 620, but the ideal score depends on the type of loan you’re applying for. A higher score can help you secure a lower interest rate, reduce your monthly payment, and open the door to more loan options. Some specialized programs may allow lower scores, but they often come with additional documentation or higher costs.
{question 4: Can I buy a home if I’m self‑employed?}
Yes — self‑employed buyers can absolutely qualify for a mortgage. Lenders typically review two years of tax returns, business income, bank statements, and proof of consistent earnings to determine eligibility. As long as your income is stable and well‑documented, you can access many of the same loan programs available to traditional W‑2 employees. There are also options tailored to leveraging alternative documentation such as bank statement deposits or an accountant prepared Profit and Loss Statement.
{question 5: What’s the difference between pre‑qualification and pre‑approval?}
A pre‑qualification is a quick estimate of what you may be able to borrow based on basic financial information you provide. A pre‑approval goes a step further: the lender reviews your income, credit, and assets to issue a verified approval amount. Pre‑approval carries more weight with sellers because it shows you’re financially prepared and ready to make a strong offer.
ABOUT ME
Started in Real Estate in 2011.
Originating residential mortgages since 2015.
Oversaw acquisition, development, and exit
strategies for LA based real estate development
portfolio.
Managed $200 million+ Second Mortgage portfolio
for boutique private equity firm.
Experienced with cosmetic flips as well as
construction-based investments.
Gonzalo Lopez
Mortgage Loan Consultant
Testimonials
People Love Us
can’t thank Gonzalo enough for his incredible patience and support throughout my home-buying journey. As a first-time homebuyer, I was nervous, hesitant, and full of questions, but he guided me through every step with professionalism and kindness. I changed my mind more times than I can count, and I’m sure I drove him crazy, but he never once made me feel like a burden. Instead, he reassured me, provided clear explanations, and helped me gain the confidence to make the right decision.
Thanks to his expertise and dedication, I am now a proud homeowner! I highly recommend Gonzalo to anyone looking for a knowledgeable, patient, and genuinely caring mortgage professional.
Natasha Alvarez
My Realtor sent me to Gonzalo. She really talked him up...and it was all well deserved. Within 2 days of contacting him and attaching my accounts online (so I had to submit fewer bank statements), I was pre-approved for a lot more than I expected.
My first property fell thru, but we didn't miss a beat. I closed on the second property last week. Due to Gonzalo's knowledge and hard work, we were able to close early (in 3 weeks). He is always friendly and super smart. Being my first property purchase, he answered all my questions, went over all documents with me and made sure I was comfortable with the transaction.
I intent to buy more property in the future and wouldn't consider using anyone else!
Kristen Cunningham