Business Details
Your Trusted Mortgage Partner in Irvine, CA
Mission Loans is a customer-centric mortgage lending company dedicated to transforming the home ownership experience through transparency, technology, and personalized service. With over two decades of combined leadership experience in the mortgage and technology industries, our team prioritizes clients' financial goals while leveraging cutting-edge tools to streamline the loan process. We operate with a culture of inclusion, celebrate wins, and maintain a relentless focus on delivering exceptional service across all 50 states through our extensive licensing network. 
Services
VA Loans
FHA Loans
Conventional Loans
HELOC
Bank Statement Loans
Highlights and features
- No Lender Fees for Life* with refinancing
- 5 Star Google Rating from Verified Clients
- Customer-Centric Approach with Personalized Service
- Licensed in All 50 States for Nationwide Service
- Experienced Leadership with 15-25 Years Industry Expertise
What people say
Excellent experience
Awesome service
Outstanding agents
Very friendly helpful
5 Star Rating
Services
VA Loans
VA Loans provide exclusive mortgage benefits for veterans and active-duty military members. These government-backed loans offer low down payments, no PMI requirements, and flexible qualification standards. Our team specializes in helping service members access these benefits with streamlined processing and expert guidance.
FHA Loans
FHA Loans enable first-time homebuyers with lower credit scores or limited savings to achieve homeownership. These government-insured loans require minimal down payments and offer lenient qualification criteria. We assist clients in navigating FHA requirements while ensuring clear communication about mortgage insurance obligations.
Conventional Loans
Conventional Loans serve clients with strong credit profiles seeking traditional mortgage options. We offer competitive rates for borrowers with DTI ratios below 43% and credit scores above 620, including options to avoid PMI with 20% down payments. Our process emphasizes clear qualification pathways and rate optimization.
HELOC
HELOC products allow homeowners to leverage property equity for financial opportunities. We help clients access funds for renovations, education, or investments through flexible credit lines. Our advisors explain terms clearly while emphasizing responsible borrowing strategies to maintain financial stability.
Bank Statement Loans
Bank Statement Loans cater to self-employed borrowers or those with non-traditional income sources. We verify eligibility through comprehensive bank analysis rather than standard pay stubs. This program provides accessible financing while maintaining compliance with responsible lending practices and documentation requirements.
People
Dave Norris
Chief Mission Officer
With 25+ years in mortgage and technology industries, Dave leads strategic vision at Mission Loans. Former executive at loanDepot and LendingTree, he builds high-performance teams focused on execution excellence across all market cycles.
Chi Pham
COO
Chi brings 15+ years of mortgage operations expertise, specializing in loan lifecycle optimization. She re-engineered application processes to improve customer experience while implementing efficiency measures that reduced operational redundancies by 40%.
Hans Dumayag
CSO
As Chief Strategy Officer, Hans drives digital transformation initiatives with 20+ years of mortgage technology innovation. He partners with tech agencies to develop digital pilots that enhance customer service standards through data-driven process improvements.
Bob Pickham
CFO
Bob contributes 25+ years of mortgage finance leadership, specializing in financial strategy and risk management. He develops operational frameworks that balance profitability with customer-centric lending practices while maintaining compliance with regulatory requirements.
Erica Page
SVP Technology Ops
Erica leads mortgage technology innovation with 19 years of fintech experience. She pioneered digital validation systems and remote notarization platforms that improved loan processing efficiency by 35% while maintaining strict compliance standards.
Questions
What loan programs does Mission Loans offer?
We provide VA, FHA, Conventional, HELOC, and Bank Statement Loans with tailored options for first-time buyers, veterans, and non-traditional income borrowers.
Do you charge lender fees for life?
No. Our Family Plus Program eliminates lender fees for life when refinancing, ensuring long-term cost savings for our clients.
How do I check my loan status?
Clients receive personalized access to our digital platform for real-time updates, or contact our Irvine team directly at (855) 959-4500 for assistance.
Are you licensed nationwide?
Yes. We hold active licenses in all 50 states through regulatory compliance with state banking departments and the NMLS.
What credit score do I need for approval?
Minimum requirements vary: 500+ for FHA, 620+ for Conventional, with specialized programs available for unique financial situations.
How does the refinancing process work?
Our team evaluates current loans, explains rate options, and handles paperwork with no lifetime fees. The average process completes in 30-45 days with dedicated support.
