Business Details
28 Years
experience
Your Trusted Mortgage Broker in San Clemente, CA
Alliance Mortgage Lending has served San Clemente, Orange County, and California families for over 25 years. As a locally grown business, we prioritize personalized attention and expert guidance to help clients secure optimal loan solutions. Our team of 20+ lenders leverages extensive industry experience to provide competitive rates and tailored mortgage services. We specialize in purchase loans, refinancing, HELOCs, and investment property financing while maintaining a client-first approach. Our commitment to transparency ensures clients understand all loan terms, eligibility criteria, and funding timelines.We utilize advanced valuation models to determine home equity and loan eligibility, with clear documentation requirements for approval. Our streamlined online application process enables fast pre-approvals and funding, with flexible terms for primary residences, second homes, and investment properties. We adhere to strict underwriting standards while maintaining accessibility through credit score flexibility and no pre-payment penalties. Our physical office at 635 Camino de los Mares remains a central hub for local clients seeking in-person consultations.
Services
Purchase Loans
Refinance
HELOC
Investment Property Loans
Non-QM Loans
Details
- Year established: 1998
Highlights and features
- 25+ years serving California mortgage clients
- Local San Clemente expertise with statewide coverage
- Personalized loan guidance from experienced professionals
- Access to multiple lender networks for competitive rates
- Streamlined online application with fast funding options
Associations and certifications
- NMLS
Services
HELOC
Access home equity without refinancing through our HELOC program. Competitive rates with fast approval in 5 minutes and funding within 5 days. No appraisal required for qualified applicants with minimum 620 credit score. Primary residence loans up to $400,000 and investment properties up to $250,000.
Purchase Loans
Comprehensive mortgage solutions for first-time buyers and experienced homeowners. Down payment assistance programs available with flexible credit requirements. Loan options include FHA, VA, USDA, and jumbo mortgages for primary residences and second homes.
Refinance
Lower payments through rate-and-term refinancing or cash-out options. Competitive fixed rates available for primary residences up to 85% CLTV. Investment property refinancing up to 70% CLTV with streamlined documentation requirements.
Investment Property Loans
Specialized financing for real estate investors. Up to 70% CLTV for investment properties with flexible underwriting standards. Competitive fixed rates and terms for multi-unit properties and single-family rentals across California.
Non-QM Loans
Non-qualified mortgage solutions for unique financial situations. Bank statement loans and asset-based options available. Flexible documentation requirements for self-employed borrowers and those with non-traditional income sources.
Questions
How do I get pre-approved for a mortgage?
Complete our online application for instant pre-approval. This establishes your buying range and strengthens purchase offers.
What loan options are available?
We offer purchase loans, refinancing, HELOCs, investment property financing, and non-QM loans for various property types.
How quickly can I access home equity?
HELOC applications receive approval in 5 minutes with funding available in as little as 5 days through our streamlined process.
Do you serve areas outside Orange County?
Our mortgage services cover all California locations, with specialized expertise in San Clemente and surrounding communities.
