Start Your California
Loan Application
Takes less than 5 minutes. Michelle reviews every application personally and responds the same business day — often within hours.
Every application is reviewed personally by Michelle — not a call center or junior processor. Usually within a few hours of submission.
Michelle reaches out to discuss your situation, answer questions, and identify the best programs across our lender network.
Once we have what we need, MLU issues your free pre-qualification letter — often same day. Trusted by listing agents across Southern California.
You shop with confidence. When you find your property, MLU moves fast — we're the #1 fastest-closing mortgage broker on Rocket Pro TPO.
Call Michelle directly. She'll walk you through the application over the phone.
📞 (818) 565-6212Download our free document checklist so you have everything ready before applying.
Download Checklist →Application FAQs
Does applying affect my credit score?
Submitting this form does NOT trigger a hard credit pull. A credit check only occurs if you authorize one as part of a formal loan application — Michelle will always ask your permission first.
I'm self-employed. Can I still apply?
Absolutely. MLU specializes in bank statement and stated income programs for self-employed borrowers. Select "Self-Employed" in the form and Michelle will identify the right program for your situation.
How quickly will I hear back?
Michelle personally reviews every application and typically responds the same business day, often within hours. If you submit on a weekend, expect a response first thing Monday morning.
Is there any cost to apply?
Pre-qualification is completely free and there is no obligation. If a formal application and appraisal are required for your loan, Michelle will explain all costs upfront before you commit to anything.