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Based in Irvine, CA | NMLS #372541LOAN OPTIONS
HELOC/HELOAN
MIN FICO ~ 620
Up to 125% of Current Home Value
OR 90% of ARV!
*After Repair Value is A RenoFi Exclusive*
Conventional/FHA Purchase & Refinance
FHA 203(k)/Renovation Loans (580 Fico)
Private Money Options
Multi-Unit Financing
DSCR (Debt Service Coverage Ratio)
Commercial Lending
LAND LOANS
FICO Down Payment
740+ 5% Down
680-739 10% Down
640-679 15% Down
600-639 20% Down
555-599 25% Down
400-549 30% Down
Full Doc
PERSONAL LOANS
FICO as low as 660
LOAN OPTIONS
HELOC/HELOAN
Min FICO is 620
Up to 125% of Current Value
OR 90% of ARV.
Uses ARV – A RenoFi Exclusive
FHA 203K
3.5% down &
FICO as low as 580
Finance up to $75K at the time of purchase for minor renovations
LAND LOANS
FICO as low as 620
PERSONAL LOANS
FICO as low as 660
QUICK QUOTE
TRANSPARENCY
LOCAL
EXPERT SERVICE
Meet David
A prominent senior lending specialist with over 25 years of experience in the lending industry—since 1997! Helping folks turn house keys into magic wands, specializes in providing tailored mortgage solutions for residential properties, investments, and land financing.
With strong relationships with top-rated investors, including an exclusive financing partner that offers special opportunities, competitive pricing to provide each clients unique needs.
Customers can opt for a fully automated process or enjoy their personalized white-glove service, making the entire experience smooth and stress-free.
Thanks to this efficiency, can close purchase loans in as little as 15 days—proving that in mortgage lending, speed can be fun. Also offer specialized financing options for investors and can handle second trusts deeds (2nd TDS) that others can’t manage.
Ready to work together and make the journey to homeownership—and
investment success—both exciting and achievable
Meet David
Senior Loan Officer
Lending since 1997, back when rates didn’t give borrowers heart attacks and fax machines ruled the earth.
With 25+ years in the mortgage world, I help people get loans for homes, investment properties, and land without turning the whole thing into a stress marathon. The mission is simple: clear answers, real options, and a process that doesn’t make you question your life choices.
I work with solid lenders, including partners who offer some special programs and competitive pricing. Every client gets something that fits their situation, not whatever random loan the industry tries to push that week. You can run everything through an easy online process, or get hands-on help if you actually like talking to a real human.
Most purchase loans can close in as little as 15 days, because slow paperwork should’ve been left back in the dial-up era.
Investor loans? Easy.
Second trust deeds that other people avoid like a bad haircut? Also doable.
Bottom line: buying, refinancing, or investing shouldn’t feel like punishment. My job is to make the whole thing smooth, fast, and surprisingly painless… with a little humor along the way.
Secure your spot
Looking to secure your own piece of land in Southern California? That’s why I partner with Professional Land Corporation. Based in Laguna Hills and serving Southern California since the 1970s, they specialize in providing prime land parcels — whether for residential, multi-family, industrial, or commercial use — across high-growth areas like the Inland Empire, Victor Valley, Barstow, and the Antelope Valley.
Secure your spot
Looking to secure your own piece of land in Southern California? That’s why I partner with Professional Land Corporation. Based in Laguna Hills and serving Southern California since the 1970s, they specialize in providing prime land parcels — whether for residential, multi-family, industrial, or commercial use — across high-growth areas like the Inland Empire, Victor Valley, Barstow, and the Antelope Valley.