Every Loan Program.
One Trusted Broker.
From first-time buyers to seasoned investors — My Loan Underwriters has direct relationships with dozens of lenders to find the right program for your situation. Purchase, refinance, investment, self-employed and more.
Buy Your California Home With Confidence
Whether you’re buying your first home, upgrading to a larger property, or relocating within California, My Loan Underwriters has the purchase loan programs to make it happen. We work with dozens of lenders to find the rate and program that fits your specific situation — not just the one the bank wants to sell you.
We offer a special first-time homebuyer program with as little as 3% down payment, and our free pre-qualification service is trusted by listing agents across Southern California to confirm buyer readiness before escrow opens.
- Conventional 30yr, 15yr, 10yr Fixed
- FHA — 3% down, flexible credit requirements
- VA — 100% financing, no mortgage insurance
- Interest Only Loans
- Investment, 2nd home, and flip financing
- Free pre-qualification for all buyers
Lower Your Rate. Lower Your Payment.
With rates constantly shifting, the right refinance can save California homeowners thousands of dollars per year. My Loan Underwriters shops your refinance across our entire lender network to secure the most competitive rate available — not just what one bank offers.
Our exclusive Lifetime Rate Watch service monitors the market on your behalf long after closing. When rates drop to a point where refinancing benefits you, we reach out proactively — at no cost to you.
- Rate-and-term refinance to reduce monthly payments
- Cash-out refinance — no cap on cash-out amount
- Debt consolidation — pay off credit cards, student loans
- Lifetime Rate Watch — we monitor rates for you forever
- High-LTV refinance options for limited-equity homeowners
- Streamline refinance options for FHA/VA loans
Self-Employed? We Have Your Program.
Traditional lenders often turn away self-employed borrowers, entrepreneurs, and business owners because W-2 income doesn’t reflect their true financial picture. At MLU, we specialize in flexible documentation programs designed specifically for the self-employed.
Bank statement loans allow you to qualify using 12–24 months of personal or business bank statements — no tax returns required. Your actual cash flow, not your reported income, determines your eligibility.
- 12 or 24-month bank statement qualification
- Personal or business bank statements accepted
- No tax returns or W-2s required
- Owner-occupied, 2nd home, and investment properties
- Competitive rates with flexible down payment options
- Available for purchase and refinance
Grow Your Investment Portfolio Faster.
DSCR (Debt Service Coverage Ratio) loans qualify based on the rental income potential of the property — not your personal income or tax returns. This makes them ideal for real estate investors looking to scale without the documentation burden of traditional lending.
If the property generates enough rental income to cover the mortgage payment, you may qualify — regardless of your employment status or how many other properties you own.
- Qualify on property income, not personal income
- No personal income verification or tax returns
- Single-family, multi-family, and short-term rental properties
- Purchase and cash-out refinance available
- Available for LLCs and individual investors
- No limit on number of financed properties
Financing California's Luxury Market.
California’s high-cost real estate market means many buyers need financing that exceeds conventional loan limits. My Loan Underwriters has access to jumbo and super-jumbo portfolio programs with loan amounts up to $10 million.
Our lender network includes specialized portfolio lenders who evaluate jumbo applications holistically — taking into account the full picture of your financial strength rather than just a credit score.
- Loan amounts up to $10 million
- Primary residence, 2nd home, and investment
- Fixed and adjustable rate options
- Interest-only options available
- Flexible documentation for high-net-worth borrowers
- Competitive rates through portfolio lenders
Government-Backed Programs. Real Benefits.
VA loans are one of the most powerful mortgage benefits available to U.S. military veterans and active-duty service members — offering 100% financing, no mortgage insurance, and competitive rates. MLU is proud to serve those who served our country.
FHA loans offer a path to homeownership for buyers with limited down payment funds or less-than-perfect credit. With just 3.5% down and flexible credit guidelines, FHA opens doors that conventional lending closes.
- VA: 100% financing, no down payment required
- VA: No mortgage insurance — saves hundreds per month
- VA: Up to 90% cash-out refinance
- FHA: 3.5% down payment
- FHA: Flexible credit score requirements
- FHA: Available with gift funds for down payment
Turn Your Home Equity Into Income.
If you are 62 or older and own your home, a reverse mortgage allows you to convert a portion of your home equity into tax-free income — with no monthly mortgage payments required for as long as you live in the home.
A reverse mortgage can supplement retirement income, fund healthcare expenses, or simply provide financial flexibility. Michelle will walk you through the program in plain language with no pressure, so you can make the decision that’s right for your family.
- Available to homeowners age 62 and older
- No monthly mortgage payments required
- Stay in your home for life
- Tax-free proceeds (consult your tax advisor)
- Lump sum, line of credit, or monthly payment options
- FHA-insured HECM programs available
Michelle Will Find the
Right Program for You
Whether you’re a first-time buyer, a seasoned investor or self-employed, a 10-minute call with Michelle will point you in the right direction. No obligation, no pressure.
Free pre-qualifications for all borrowers · CA DRE #01860630 · NMLS #328255 · Equal Housing Opportunity