Business Details
Your Trusted Mortgage Partner in Orange County, CA
365 Home Lending is a mortgage lending brokerage serving Southern California, specializing in residential purchase and refinance transactions. We maintain licensing with over a dozen major lenders, enabling us to secure competitive rates and terms for clients while delivering top-tier pricing. Since our inception, we have prioritized 5-star customer service, ensuring smooth transactions for all parties involved. Our residential purchase division collaborates closely with local real estate agents, fostering repeat business through reliability and expertise. Our team of licensed professionals combines industry knowledge with personalized service, offering tailored loan solutions that address individual financial situations.We pride ourselves on transparency, integrity, and a streamlined lending process that minimizes stress for borrowers. With a focus on innovation and efficiency, we deliver fast service, including purchase loan or refinance closings in as few as 15 business days. Our commitment to excellence extends to continuous support, from prequalification to closing, ensuring clients feel informed and confident throughout their mortgage journey.
Services
Purchase Loans
Refinance Loans
FHA Loans
VA Loans
Conventional Loans
Highlights and features
- We offer competitively low rates tailored to individual financial profiles.
- Our process is streamlined for efficiency, closing loans in as few as 15 days.
- We provide personalized loan solutions with no hidden fees or surprises.
- Our team includes NMLS-licensed experts with decades of combined industry experience.
- We specialize in serving Southern California's unique real estate market.
What people say
5-star customer service
Timely communication
Personalized guidance
Competitive rates
Efficient loan process
Services
Purchase Loans
Our purchase loan programs cater to first-time buyers and experienced homeowners, offering flexible down payment options from $0 to 5%. We provide competitive rates, fast approvals, and expert guidance through every step of the home buying process. Our team works closely with real estate agents to ensure timely closings and a stress-free experience for clients.
Refinance Loans
We specialize in refinance solutions to lower monthly payments, consolidate debt, or access home equity. Our options include conventional, FHA, VA, and HARP 2.0 programs with financing up to 150% LTV. We streamline the process with digital tools and dedicated support to complete refinances in approximately 30 days.
FHA Loans
Our FHA loan program requires only 3.5% down payment with credit scores as low as 600. We help borrowers with past credit challenges, offering flexible guidelines for bankruptcies, short sales, and foreclosures. Our experts guide clients through the process to achieve affordable homeownership opportunities.
VA Loans
We provide $0 down VA loans for eligible veterans and service members, with no monthly mortgage insurance. Our streamlined IRRRL program offers reduced documentation and no appraisal requirements in many cases. Our team understands the unique needs of military families and ensures a smooth lending process.
Conventional Loans
Our conventional loan options include fixed and adjustable-rate mortgages with down payments starting at 5%. We offer competitive rates for borrowers with strong credit histories and provide personalized advice to choose between 15, 20, or 30-year terms. Our digital tools simplify document submission and tracking throughout the loan process.
People
George Hannawi
Broker Manager
Licensed real estate broker with over two decades of experience in Southern California's mortgage industry. Specializes in strategic lending solutions and team leadership.
Karen Tomlinson
Broker Coordinator
Realtor with SRES designation, combining real estate expertise with mortgage coordination to streamline client transactions.
Matthew Bord
Senior Associate Director
Seasoned mortgage professional with 17+ years of experience, consistently ranked among top 10 producers in loan volume and client satisfaction.
Jesse Kuet
Realtor & Loan Consultant
Stanford economics graduate offering data-driven market analysis and personalized mortgage guidance for first-time and repeat homebuyers.
Matt Nouraei
Mortgage Consultant
Fluent in Farsi and German, with expertise in complex loan scenarios and a track record of closing over $900M in mortgage volume.
Questions
What types of mortgage loans do you offer?
We offer fixed-rate, adjustable-rate, FHA, VA, jumbo, and HARP 2.0 loans for purchase or refinance transactions.
How quickly can you close a mortgage loan?
Our average closing time is 30 days, with purchase loans closing in as few as 15 business days.
Can I refinance with bad credit?
Yes, we offer government programs and flexible guidelines for borrowers with past credit challenges.
Do you charge lender fees?
No, we maintain a zero lender fee policy to make homeownership more affordable.
How do I start the mortgage process?
Contact us for a free consultation, or use our online prequalification tool to begin your mortgage journey.
Are your loan officers licensed?
Yes, all our loan officers are NMLS-licensed and S.A.F.E. Act compliant.
