Business Details
17 Years
experience
Trusted Mortgage Brokers in Irvine, CA
Dan the Man for Mortgages is a residential mortgage and commercial loan service dedicated to helping clients secure the best loan programs at the lowest rates and fees. Founded in 2009 by Dan Stone, who has over 35 years of experience in mortgage lending since 1987, we operate as advocates for borrowers, not lenders. Our unique approach involves accessing over 1,000 lenders to provide clients with 100 times more options than traditional brokers, ensuring competitive rates and personalized solutions. We specialize in navigating complex loan scenarios, including financial assistance programs, down payment assistance, and specialized loans for professionals.Our fee structure is transparent, with no hidden costs or commissions from lenders, and we prioritize client education to demystify the mortgage process. With a focus on integrity and client-centric service, we aim to reduce stress, save clients time and money, and deliver tailored mortgage solutions. Our track record includes helping borrowers save thousands in fees and securing loans when other lenders decline. We serve clients across California and beyond, leveraging decades of industry expertise to ensure informed, stress-free transactions.
Services
Mortgage Brokerage
Refinance Assistance
Down Payment Programs
Investment Property Loans
Reverse Mortgages
Construction Loans
Hard Money Loans
ITIN Loans
Self-Employed Mortgages
Commercial Loans
Details
- Year established: 2009
Highlights and features
- We have over 35 years of mortgage industry experience since 1987.
- We access 1,000+ lenders to find the best loan options for you.
- Our transparent fee structure includes no hidden costs or lender commissions.
- We specialize in complex loan scenarios and financial assistance programs.
- We guarantee satisfaction or your money back.
What people say
Saved .75% plus cash
Dramatic savings on fees
Process was easy
Saved $12,000 in fees
Exceptional follow-up
Services
Mortgage Brokerage
We connect clients with over 1,000 lenders to secure competitive mortgage rates and terms. Our brokerage specializes in residential and commercial loans, including first-time buyer programs, investment properties, and refinancing. By acting as your advocate, we eliminate lender commissions and focus on your financial goals, ensuring transparent, cost-effective solutions tailored to your needs.
Refinance Assistance
Our refinance experts help clients lower monthly payments, reduce interest rates, or access equity through cash-out refinancing. We analyze your current loan, compare offers from multiple lenders, and guide you through the process to maximize savings. Clients report average savings of $10,000+ and reduced stress during the transaction.
Down Payment Programs
We specialize in over 284 financial assistance programs, including zero-down options for VA, USDA, and first-time buyers. Our team identifies eligibility for grants, rebates, and low-down-payment loans, reducing upfront costs. This service is particularly beneficial for educators, healthcare workers, and professionals seeking affordable homeownership solutions.
Investment Property Loans
We offer tailored financing for investment properties, including conventional loans up to $2 million and cash-out refinancing. Our expertise extends to multi-family units, mixed-use properties, and portfolio loans, with flexible terms for investors seeking to expand their real estate holdings while maintaining competitive rates and fees.
Reverse Mortgages
Designed for homeowners aged 60+, reverse mortgages allow you to access home equity without monthly payments. We guide clients through purchase, refinance, or cash-out options, ensuring compliance with HUD guidelines and maximizing lifetime benefits while maintaining ownership of your property.
People
Dan Stone
Owner, Founder
Dan Stone has over 35 years of mortgage lending experience since 1987. He founded Mortgage Fee Coach in 2009, now operating as Dan the Man for Mortgages. A respected industry expert, he specializes in connecting borrowers with optimal loan solutions while prioritizing transparency and client advocacy.
Questions
What mortgage services do you offer?
We provide mortgage brokerage, refinancing, down payment programs, investment property loans, reverse mortgages, and specialized financing for self-employed individuals and ITIN holders.
How do you save clients money?
By accessing 1,000+ lenders, we secure competitive rates and fees. Clients report average savings of $10,000+ through lower rates, rebates, and optimized loan terms.
Are there fees for your services?
Yes: $500 flat fee for second trust deeds or $400 upfront plus 0.20%–0.50% of the loan amount for first trust deeds, depending on complexity.
Do you work with first-time homebuyers?
Yes, we specialize in first-time buyer programs, including 3% down payment options and over 284 financial assistance programs in California.
Can you help with difficult loan scenarios?
Yes, we excel in complex cases, including self-employed borrowers, non-traditional income verification, and clients declined by other lenders.
What areas do you serve?
We primarily serve California but assist clients nationwide through our network of lenders and remote transaction capabilities.
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