Business Details
17 Years
experience
Trusted Mortgage Solutions in Irvine, CA
Hometown Loans was founded in 2009 with a mission to provide homeowners with ethical, client-focused mortgage solutions during challenging financial times. Our core principle centers on gratitude for the trust clients place in us for one of life's most significant financial decisions. With over 20 years of combined experience in mortgage lending and real estate, we specialize in low rates, fast closings, and helping borrowers with unique credit situations. As an A+ rated Better Business Bureau member and Mortgage Bankers Association affiliate, we prioritize transparency, avoiding hidden fees or one-size-fits-all approaches.Our team of licensed professionals in Irvine, California, offers personalized guidance through diverse loan programs including VA, FHA, and no-income verification options. We maintain long-term client relationships by monitoring market rates and proactively offering refinancing opportunities when beneficial.
Services
Home Purchase Loans
Home Refinance Loans
Cash Out Loans
FHA Loans
VA Loans
No Income Verification Loans
Details
- Year established: 2009
Highlights and features
- We offer 20+ years of mortgage lending experience with personalized service
- Our BBB A+ rating reflects our commitment to ethical business practices
- No hidden fees or up-front costs on any loan program
- Specialized programs for borrowers with credit challenges or bankruptcy history
- 14-day closing guarantee for expedited home loan processing
Associations and certifications
- Better Business Bureau
- Mortgage Bankers Association
What people say
Amazing Loan Officer
Lower rate
Smooth transaction
Outstanding job
Quick closing
Services
Home Purchase Loans
Our home purchase loan program helps first-time buyers and experienced homeowners secure financing for new properties. We offer competitive rates and flexible terms for conventional, FHA, and VA loans. Our experienced loan officers guide clients through the entire process from pre-approval to closing.
Home Refinance Loans
Refinance your existing mortgage to secure better terms, lower rates, or access home equity. Our streamlined process includes conventional refinancing, FHA streamline programs, and VA IRRRL options. We guarantee rate reductions when market conditions allow.
Cash Out Loans
Access your home's equity through cash-out refinancing options. We offer fast funding within 14 days for emergency expenses, home improvements, or debt consolidation. Our programs accommodate various credit situations with flexible documentation requirements.
FHA Loans
FHA-insured loans with low down payments and flexible credit requirements. Ideal for first-time homebuyers or those with past credit challenges. We offer both FHA purchase loans and streamline refinance options with reduced documentation.
VA Loans
Specialized mortgage programs for veterans, active-duty service members, and surviving spouses. Our VA loan options include purchase loans, interest rate reduction refinances, and loyalty programs with exclusive benefits for military families.
Questions
What loan programs do you offer for first-time homebuyers?
We offer FHA loans with 3.5% down payments and conventional loans with flexible credit requirements for first-time homebuyers.
Can I refinance with bad credit?
Yes, we specialize in helping borrowers with credit challenges including past bankruptcies and late payments.
How quickly can you close a loan?
Our average closing time is 14 days with proper documentation and favorable underwriting conditions.
Do you offer VA loans for military families?
Yes, we provide VA purchase loans and IRRRL refinances with exclusive benefits through our Veterans Loyalty Program.
Are there any hidden fees?
No, we guarantee no hidden fees, no up-front costs, and transparent pricing on all loan programs.
Can I get a cash-out refinance with poor credit?
We offer flexible cash-out options for borrowers with various credit situations, including alternative documentation methods.
