California Mortgage Broker | Home Loan Solutions

Loan Programs We Offer

Home Purchase Loans

$0 Down Payment (VA), 3% Down, 3.5% Down Conventional, FHA, VA, QM, NON QM, Private Lending, 100% Financing and jumbo loan options tailored to your financial goals.

Refinance Solutions

Rate-and-term and cash-out refinance, Adjustable, Fixed 5, 10, 15, 20, 25, 30, and 40 year programs to help you restructure your mortgage.

Investor & Self-Employed Loans

Alternative documentation and flexible programs for complex income scenarios. Bank Statement, Personal or Business Accounts, DSCR Loans, Asset Depletion Loans, Private Lender, Seller Financing

What Documents You Need to Apply

Regular Job / Income W2 Workers

30 Days Most Recent Paystubs, 3 Months Most Recent Bank Statements, 2 Years Most Recent Tax Statements (Both Federal and State) Documentation supporting any and all income being used to qualify 401K, IRA, Stock and Bonds etc. Copy of any award letters, Copy of Drivers Lic / ID, Copy Of Social Security card, Copy Of Divorce Decree (If Applicable)

Self Employed

2 Years Most Recent Tax Statements Including All Schedules (Both Federal and State), P&L Statement, Most Recent 3 Months Business And Personal Bank Statements Documentation supporting any and all income being used to qualify 401K, IRA, Stock and Bonds etc. Copy of any award letters, Copy of Drivers Lic / ID, Copy Of Social Security card, Copy Of Divorce Decree (If Applicable)

Other Income Retired / Trust Funds / Stocks /

Documentation supporting any and all income being used to qualify 401K, IRA, Stock and Bonds etc. Copy of bank statements, Copy of any award letters, Copy of Drivers Lic / ID, Copy Of Social Security card, Copy Of Divorce Decree (If Applicable)

Why Work With a Mortgage Broker?

Access to Multiple Lenders

As an independent broker, we shop multiple wholesale lenders on your behalf.

California Market Expertise

Deep understanding of California real estate, lending guidelines, and compliance.

Transparent Guidance

Clear communication, no pressure, and no misleading promises.

Get Started

Apply Now!

Speak with a licensed California mortgage broker to review your options and determine the best path forward.

Phone: (562) 714-7088
Email: atozfinancial@gmail.com

Equal Housing Opportunity