Unlock Your Door to Homeownership!
Our team is dedicated to guiding homebuyers through every step of the mortgage process, making it as smooth and stress-free as possible. From helping you understand your loan options to securing the best rates and navigating paperwork, we provide expert advice and personalized solutions tailored to your financial goals. Whether you're a first-time buyer or upgrading to your dream home, we ensure a seamless experience, offering support and clarity at every stage. Let us help you turn homeownership into a reality with confidence and ease!
Products Offered
Non-QM Products
Flexible financing solutions customized for self-employed, business owners, and those with distinct income situations
Traditional Products
Conventional, FHA, VA, and USDA loans, providing dependable financing solutions tailored to meet the diverse needs and goals of homebuyers.
Specialty Products
ITIN loans, bank statement loans, and asset-based financing, designed to meet the unique needs of clients with non-traditional incomes
Celine De La Loza
Mortgage Loan officer
Frequently Asked Questions
Question 1: Are your services only offered online?
Our services are offered in-person and online. We prefer whichever method our client deems most comfortable.
Question 2: When should I speak with a Loan Officer?
We recommend speaking with a loan officer about 6-12 months before you plan βon purchasing a home. If needed, this method of planning grants the time to improve credit, debts, income, and assets, to get you ready for homeownership!
Question 3: What are the benefits when working with a Mortgage Broker?
Our clients save money, time and effort when working with our brokerage. As a broker we have the ability to shop amongst the lenders we work with, to find the best rate for you and your lifestyle.
Question 4: Do you have access to down payment assistance programs?
Yes, we have access to several different type of DPA programs. Based on your circumstances, we can evaluate which would be the best financial option!
Question 5: What if I am not working with a Real Estate Agent?
Not to worry! We work with an extensive list of reliable, transparent and knowledgable realtors. We will suggest a couple agents to see what the best fit would be based on your needs and interests.
This estimate is an initial evaluation of your borrowing power based on the financial information you provide, such as your income, credit score, and debt obligations. It offers an approximate loan amount you may qualify for, helping you set realistic expectations for your home search. While not a formal loan approval, itβs a valuable first step in understanding your budget. Once filled out a member of our team will reach out to ensure the form was filled out accurately and answer any questions you may have!
Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at the time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Angel City Financial, powered by Equity Smart Home Loans, 6742 Greenleaf Avenue, Whittier, CA 90601; NMLS ID#2130380. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act- #4150077