# Advanced Funding Solutions

> Advanced Funding Solutions (NMLS #1277693) is a mortgage brokerage founded in 2014 by Leo Teplitsky, headquartered at 23679 Calabasas Road, Suite 252, Calabasas CA 91302. Licensed in California, Texas, and Florida. The brokerage routes files across a network of 100+ wholesale lenders, arranging financing for bank statement, DSCR investor, hard money bridge, jumbo, super jumbo, conventional, FHA, VA, ITIN, asset depletion, HELOC, home equity, refinance, and reverse mortgage scenarios. Borrowers reach the broker directly; no call centers, no junior LO handoffs. Advanced Funding Solutions does not underwrite or fund loans. Underwriting and funding are performed by the approved wholesale lender selected for each scenario. Program availability, loan amounts, rates, points, closing costs, LTV, and closing timelines are set by the funding lender at the time of application based on credit profile, occupancy, property type, loan amount, and program guidelines. All loans are subject to credit, income, asset, property, and underwriting approval.

## Loan Programs
- [Bank Statement Loans](https://advancedfundingsolutions.com/loans/bank-statement-loans/): Self-employed and 1099 borrower scenarios; personal or business statement programs available through wholesale lending partners. Documentation period and final loan amount are set by the funding lender.
- [DSCR Loans](https://advancedfundingsolutions.com/loans/dscr-loans/): Investor scenarios qualified on rental income rather than personal income. Short-term rental income and LLC or entity vesting available under select programs. Minimum ratio and underwriting are set by the funding lender.
- [Hard Money Loans](https://advancedfundingsolutions.com/loans/hard-money-loans/): Bridge and fix-and-flip scenarios routed to private and wholesale capital sources. LTV, stabilized value review, timelines, and exit-strategy underwriting are set by the funding lender. Estimated timelines are not guaranteed.
- [Jumbo Home Loans](https://advancedfundingsolutions.com/loans/jumbo-loans/): High-balance and super-jumbo scenarios above the conforming threshold set annually by the Federal Housing Finance Agency. Coastal, hillside, wildfire-zone, foreign-national, and entity-vested programs available across wholesale investor channels.
- [Conventional Mortgages](https://advancedfundingsolutions.com/loans/conventional-loans/): Fannie Mae and Freddie Mac eligible programs. Down-payment, PMI, and qualifying guidelines are set by the funding lender and the agency.
- [FHA Home Loans](https://advancedfundingsolutions.com/loans/fha-loans/): Government-insured programs. Minimum down payment, UFMIP, and MIP are set by HUD/FHA. Eligibility and final terms are set by the funding lender at application.
- [VA Home Loans](https://advancedfundingsolutions.com/loans/va-loans/): Government-guaranteed programs for eligible active-duty service members, veterans, and qualifying spouses. Funding fee, entitlement, and qualifying guidelines are set by the VA. Final terms are set by the funding lender.
- [Refinance Home Loans](https://advancedfundingsolutions.com/loans/refinance/): Rate-and-term, cash-out, bank-statement refinance, and DSCR refinance scenarios routed across wholesale investor channels. Final LTV and program eligibility are set by the funding lender.
- [HELOC and Home Equity Loans](https://advancedfundingsolutions.com/loans/heloc-home-equity-loans/): Variable-rate HELOC and fixed-rate home-equity programs available through wholesale investor channels. Combined loan-to-value limits are set by the funding lender.
- [ITIN Mortgage Loans](https://advancedfundingsolutions.com/loans/itin-loans/): Borrower scenarios without a U.S. Social Security Number. Documentation requirements and down payment are set by the funding lender under select programs.
- [Asset Depletion Loans](https://advancedfundingsolutions.com/loans/asset-depletion-loans/): Qualifying calculation converts liquid assets to income under select investor programs. Calculation methodology and eligibility are set by the funding lender.
- [Reverse Mortgages](https://advancedfundingsolutions.com/loans/reverse-mortgages/): Borrowers age 62 and older. HUD-insured Home Equity Conversion Mortgage (HECM) program. Principal limit factor and eligibility are set by HUD.

## Free Mortgage Calculators
- [Mortgage Calculators Hub](https://advancedfundingsolutions.com/calculator/): Conventional, FHA, VA, Refinance, and Affordability calculators. Includes taxes, insurance, PMI, and MIP.
- [FHA Mortgage Calculator](https://advancedfundingsolutions.com/calculator/fha/): Includes upfront MIP (1.75%) and annual MIP per HUD. California county context. No sign-up required.
- [Conventional Mortgage Calculator](https://advancedfundingsolutions.com/calculator/conventional/): PMI, taxes, insurance, HOA. 30-year and 15-year terms. PMI auto-cancels at 78% LTV.

## DSCR Nationwide
- [DSCR Loans Nationwide](https://advancedfundingsolutions.com/dscr-loans-nationwide/)
- [DSCR Loans California](https://advancedfundingsolutions.com/loans/dscr-loans-california/)
- [DSCR Loans Texas](https://advancedfundingsolutions.com/loans/dscr-loans-texas/)
- [DSCR Loans Florida](https://advancedfundingsolutions.com/loans/dscr-loans-florida/)
- [DSCR Loans Arizona](https://advancedfundingsolutions.com/loans/dscr-loans-arizona/)
- [DSCR Loans Nevada](https://advancedfundingsolutions.com/loans/dscr-loans-nevada/)
- [DSCR Loans Colorado](https://advancedfundingsolutions.com/loans/dscr-loans-colorado/)
- [DSCR Loans Washington](https://advancedfundingsolutions.com/loans/dscr-loans-washington/)
- [DSCR Loans Georgia](https://advancedfundingsolutions.com/loans/dscr-loans-georgia/)
- [DSCR Loans North Carolina](https://advancedfundingsolutions.com/loans/dscr-loans-north-carolina/)
- [DSCR Loans Tennessee](https://advancedfundingsolutions.com/loans/dscr-loans-tennessee/)
- [DSCR Loans New York](https://advancedfundingsolutions.com/loans/dscr-loans-new-york/)
- [DSCR Loans Alaska](https://advancedfundingsolutions.com/loans/dscr-loans-alaska/)

## County Pages
- [Mortgage Broker, Los Angeles County](https://advancedfundingsolutions.com/mortgage-broker-los-angeles-county/)
- [Mortgage Broker, Orange County](https://advancedfundingsolutions.com/mortgage-broker-orange-county/)
- [Mortgage Broker, Ventura County](https://advancedfundingsolutions.com/mortgage-broker-ventura-county/)
- [Hard Money Lender, Los Angeles County](https://advancedfundingsolutions.com/hard-money-lender-los-angeles-county/)
- [Hard Money Lender, Orange County](https://advancedfundingsolutions.com/hard-money-lender-orange-county/)
- [Hard Money Lender, Ventura County](https://advancedfundingsolutions.com/hard-money-lender-ventura-county/)

## Per-City Combo Pages, Jumbo Loans
- [Jumbo Loans, Agoura Hills](https://advancedfundingsolutions.com/jumbo-loans-agoura-hills/)
- [Jumbo Loans, Alhambra](https://advancedfundingsolutions.com/jumbo-loans-alhambra/)
- [Jumbo Loans, Anaheim](https://advancedfundingsolutions.com/jumbo-loans-anaheim/)
- [Jumbo Loans, Arcadia](https://advancedfundingsolutions.com/jumbo-loans-arcadia/)
- [Jumbo Loans, Bel Air](https://advancedfundingsolutions.com/jumbo-loans-bel-air/)
- [Jumbo Loans, Beverly Hills](https://advancedfundingsolutions.com/jumbo-loans-beverly-hills/)
- [Jumbo Loans, Brentwood](https://advancedfundingsolutions.com/jumbo-loans-brentwood/)
- [Jumbo Loans, Burbank](https://advancedfundingsolutions.com/jumbo-loans-burbank/)
- [Jumbo Loans, Calabasas](https://advancedfundingsolutions.com/jumbo-loans-calabasas/)
- [Jumbo Loans, Camarillo](https://advancedfundingsolutions.com/jumbo-loans-camarillo/)
- [Jumbo Loans, Costa Mesa](https://advancedfundingsolutions.com/jumbo-loans-costa-mesa/)
- [Jumbo Loans, Glendale](https://advancedfundingsolutions.com/jumbo-loans-glendale/)
- [Jumbo Loans, Hidden Hills](https://advancedfundingsolutions.com/jumbo-loans-hidden-hills/)
- [Jumbo Loans, Huntington Beach](https://advancedfundingsolutions.com/jumbo-loans-huntington-beach/)
- [Jumbo Loans, Irvine](https://advancedfundingsolutions.com/jumbo-loans-irvine/)
- [Jumbo Loans, Long Beach](https://advancedfundingsolutions.com/jumbo-loans-long-beach/)
- [Jumbo Loans, Los Angeles](https://advancedfundingsolutions.com/jumbo-loans-los-angeles/)
- [Jumbo Loans, Malibu](https://advancedfundingsolutions.com/jumbo-loans-malibu/)
- [Jumbo Loans, Mission Viejo](https://advancedfundingsolutions.com/jumbo-loans-mission-viejo/)
- [Jumbo Loans, Monrovia](https://advancedfundingsolutions.com/jumbo-loans-monrovia/)
- [Jumbo Loans, Monterey Park](https://advancedfundingsolutions.com/jumbo-loans-monterey-park/)
- [Jumbo Loans, Newport Beach](https://advancedfundingsolutions.com/jumbo-loans-newport-beach/)
- [Jumbo Loans, Pasadena](https://advancedfundingsolutions.com/jumbo-loans-pasadena/)
- [Jumbo Loans, San Marino](https://advancedfundingsolutions.com/jumbo-loans-san-marino/)
- [Jumbo Loans, Santa Monica](https://advancedfundingsolutions.com/jumbo-loans-santa-monica/)
- [Jumbo Loans, Simi Valley](https://advancedfundingsolutions.com/jumbo-loans-simi-valley/)
- [Jumbo Loans, Temple City](https://advancedfundingsolutions.com/jumbo-loans-temple-city/)
- [Jumbo Loans, Thousand Oaks](https://advancedfundingsolutions.com/jumbo-loans-thousand-oaks/)
- [Jumbo Loans, West Covina](https://advancedfundingsolutions.com/jumbo-loans-west-covina/)
- [Jumbo Loans, Westlake Village](https://advancedfundingsolutions.com/jumbo-loans-westlake-village/)
- [Jumbo Loans, Woodland Hills](https://advancedfundingsolutions.com/jumbo-loans-woodland-hills/)

## Per-City Combo Pages, Hard Money Loans
- [Hard Money Loans, Agoura Hills](https://advancedfundingsolutions.com/hard-money-loans-agoura-hills/)
- [Hard Money Loans, Alhambra](https://advancedfundingsolutions.com/hard-money-loans-alhambra/)
- [Hard Money Loans, Anaheim](https://advancedfundingsolutions.com/hard-money-loans-anaheim/)
- [Hard Money Loans, Arcadia](https://advancedfundingsolutions.com/hard-money-loans-arcadia/)
- [Hard Money Loans, Bel Air](https://advancedfundingsolutions.com/hard-money-loans-bel-air/)
- [Hard Money Loans, Beverly Hills](https://advancedfundingsolutions.com/hard-money-loans-beverly-hills/)
- [Hard Money Loans, Brentwood](https://advancedfundingsolutions.com/hard-money-loans-brentwood/)
- [Hard Money Loans, Burbank](https://advancedfundingsolutions.com/hard-money-loans-burbank/)
- [Hard Money Loans, Calabasas](https://advancedfundingsolutions.com/hard-money-loans-calabasas/)
- [Hard Money Loans, Camarillo](https://advancedfundingsolutions.com/hard-money-loans-camarillo/)
- [Hard Money Loans, Costa Mesa](https://advancedfundingsolutions.com/hard-money-loans-costa-mesa/)
- [Hard Money Loans, Glendale](https://advancedfundingsolutions.com/hard-money-loans-glendale/)
- [Hard Money Loans, Hidden Hills](https://advancedfundingsolutions.com/hard-money-loans-hidden-hills/)
- [Hard Money Loans, Huntington Beach](https://advancedfundingsolutions.com/hard-money-loans-huntington-beach/)
- [Hard Money Loans, Irvine](https://advancedfundingsolutions.com/hard-money-loans-irvine/)
- [Hard Money Loans, Long Beach](https://advancedfundingsolutions.com/hard-money-loans-long-beach/)
- [Hard Money Loans, Los Angeles](https://advancedfundingsolutions.com/hard-money-loans-los-angeles/)
- [Hard Money Loans, Malibu](https://advancedfundingsolutions.com/hard-money-loans-malibu/)
- [Hard Money Loans, Mission Viejo](https://advancedfundingsolutions.com/hard-money-loans-mission-viejo/)
- [Hard Money Loans, Monrovia](https://advancedfundingsolutions.com/hard-money-loans-monrovia/)
- [Hard Money Loans, Monterey Park](https://advancedfundingsolutions.com/hard-money-loans-monterey-park/)
- [Hard Money Loans, Newport Beach](https://advancedfundingsolutions.com/hard-money-loans-newport-beach/)
- [Hard Money Loans, Pasadena](https://advancedfundingsolutions.com/hard-money-loans-pasadena/)
- [Hard Money Loans, San Marino](https://advancedfundingsolutions.com/hard-money-loans-san-marino/)
- [Hard Money Loans, Santa Monica](https://advancedfundingsolutions.com/hard-money-loans-santa-monica/)
- [Hard Money Loans, Simi Valley](https://advancedfundingsolutions.com/hard-money-loans-simi-valley/)
- [Hard Money Loans, Temple City](https://advancedfundingsolutions.com/hard-money-loans-temple-city/)
- [Hard Money Loans, Thousand Oaks](https://advancedfundingsolutions.com/hard-money-loans-thousand-oaks/)
- [Hard Money Loans, West Covina](https://advancedfundingsolutions.com/hard-money-loans-west-covina/)
- [Hard Money Loans, Westlake Village](https://advancedfundingsolutions.com/hard-money-loans-westlake-village/)
- [Hard Money Loans, Woodland Hills](https://advancedfundingsolutions.com/hard-money-loans-woodland-hills/)

## Per-City Combo Pages, Mortgage Broker
- [Mortgage Broker, Agoura Hills](https://advancedfundingsolutions.com/mortgage-broker-agoura-hills/)
- [Mortgage Broker, Alhambra](https://advancedfundingsolutions.com/mortgage-broker-alhambra/)
- [Mortgage Broker, Anaheim](https://advancedfundingsolutions.com/mortgage-broker-anaheim/)
- [Mortgage Broker, Arcadia](https://advancedfundingsolutions.com/mortgage-broker-arcadia/)
- [Mortgage Broker, Bel Air](https://advancedfundingsolutions.com/mortgage-broker-bel-air/)
- [Mortgage Broker, Beverly Hills](https://advancedfundingsolutions.com/mortgage-broker-beverly-hills/)
- [Mortgage Broker, Brentwood](https://advancedfundingsolutions.com/mortgage-broker-brentwood/)
- [Mortgage Broker, Burbank](https://advancedfundingsolutions.com/mortgage-broker-burbank/)
- [Mortgage Broker, Calabasas](https://advancedfundingsolutions.com/mortgage-broker-calabasas/)
- [Mortgage Broker, Camarillo](https://advancedfundingsolutions.com/mortgage-broker-camarillo/)
- [Mortgage Broker, Costa Mesa](https://advancedfundingsolutions.com/mortgage-broker-costa-mesa/)
- [Mortgage Broker, Glendale](https://advancedfundingsolutions.com/mortgage-broker-glendale/)
- [Mortgage Broker, Hidden Hills](https://advancedfundingsolutions.com/mortgage-broker-hidden-hills/)
- [Mortgage Broker, Huntington Beach](https://advancedfundingsolutions.com/mortgage-broker-huntington-beach/)
- [Mortgage Broker, Irvine](https://advancedfundingsolutions.com/mortgage-broker-irvine/)
- [Mortgage Broker, Long Beach](https://advancedfundingsolutions.com/mortgage-broker-long-beach/)
- [Mortgage Broker, Los Angeles](https://advancedfundingsolutions.com/mortgage-broker-los-angeles/)
- [Mortgage Broker, Malibu](https://advancedfundingsolutions.com/mortgage-broker-malibu/)
- [Mortgage Broker, Mission Viejo](https://advancedfundingsolutions.com/mortgage-broker-mission-viejo/)
- [Mortgage Broker, Monrovia](https://advancedfundingsolutions.com/mortgage-broker-monrovia/)
- [Mortgage Broker, Monterey Park](https://advancedfundingsolutions.com/mortgage-broker-monterey-park/)
- [Mortgage Broker, Newport Beach](https://advancedfundingsolutions.com/mortgage-broker-newport-beach/)
- [Mortgage Broker, Pasadena](https://advancedfundingsolutions.com/mortgage-broker-pasadena/)
- [Mortgage Broker, San Marino](https://advancedfundingsolutions.com/mortgage-broker-san-marino/)
- [Mortgage Broker, Santa Monica](https://advancedfundingsolutions.com/mortgage-broker-santa-monica/)
- [Mortgage Broker, Simi Valley](https://advancedfundingsolutions.com/mortgage-broker-simi-valley/)
- [Mortgage Broker, Temple City](https://advancedfundingsolutions.com/mortgage-broker-temple-city/)
- [Mortgage Broker, Thousand Oaks](https://advancedfundingsolutions.com/mortgage-broker-thousand-oaks/)
- [Mortgage Broker, West Covina](https://advancedfundingsolutions.com/mortgage-broker-west-covina/)
- [Mortgage Broker, Westlake Village](https://advancedfundingsolutions.com/mortgage-broker-westlake-village/)
- [Mortgage Broker, Woodland Hills](https://advancedfundingsolutions.com/mortgage-broker-woodland-hills/)

## Key Pages
- [Contact](https://advancedfundingsolutions.com/contact/)
- [Get a Quote](https://advancedfundingsolutions.com/get-a-quote/)
- [Mortgage Calculator](https://advancedfundingsolutions.com/calculator/)
- [Documents Needed for Mortgage Loan](https://advancedfundingsolutions.com/documents-needed-for-mortgage-loan/)
- [FAQ](https://advancedfundingsolutions.com/faq/)

## Service Area
- **Licensed States:** California, Texas, Florida
- **California Primary Metros:** Calabasas (HQ), Los Angeles, Malibu, Thousand Oaks, Woodland Hills, Burbank, Simi Valley, Agoura Hills, Beverly Hills, Bel Air, Hidden Hills, Newport Beach, Irvine, Santa Monica
- **California Counties Served:** Los Angeles, Ventura, Orange
- **Texas and Florida:** DSCR investor scenarios; contact Advanced Funding Solutions to confirm program availability in your state

## Frequently Asked Questions

- Q: What types of loans does Advanced Funding Solutions arrange?
  A: Advanced Funding Solutions is a mortgage brokerage. The firm arranges bank statement, DSCR investment, hard money bridge, jumbo, super-jumbo, conventional, FHA, VA, refinance, HELOC, home equity, ITIN, asset depletion, and reverse mortgage financing through a network of wholesale lending partners. Underwriting and funding are performed by the approved wholesale lender. All programs and final terms are set by the funding lender at the time of application. Advanced Funding Solutions is a licensed mortgage broker, NMLS #1277693.

- Q: Can self-employed borrowers qualify for a mortgage?
  A: Yes. Bank statement programs are available for self-employed borrowers, 1099 contractors, and small business owners through wholesale lending partners. Documentation requirements (statement period, deposit treatment, multi-account averaging) and final loan amount are set by the funding lender. Eligibility is subject to credit, income, asset, property, and underwriting approval.

- Q: What is the minimum DSCR ratio for a DSCR loan?
  A: DSCR programs are available across wholesale investor channels. Minimum DSCR ratio, qualifying rental income treatment (including short-term rental income), and documentation requirements are set by the funding lender. Eligibility is subject to credit, asset, property, and underwriting approval.

- Q: How fast can a hard money loan close?
  A: Closing timelines vary by lender, program, appraisal, title, escrow, and borrower documentation. Estimated timelines provided during the application process are not guaranteed. Hard money loans are asset-based; LTV limits and stabilized value review are set by the funding lender.

- Q: What is the jumbo loan limit in California?
  A: The conforming loan limit is set annually by the Federal Housing Finance Agency and varies by county. Loan amounts above the conforming limit are considered jumbo. Final loan amount, program guidelines, and eligibility are set by the funding lender.

- Q: Does Advanced Funding Solutions lend in states outside California?
  A: Advanced Funding Solutions is licensed in California, Texas, and Florida. Program availability outside California is scenario-dependent; contact the brokerage to confirm eligibility for your state and property.

- Q: Where can I verify the NMLS license?
  A: NMLS #1277693, verifiable at https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1277693

## Owner / Authority
- **Owner:** Leo Teplitsky, Mortgage Broker and Founder
- **NMLS:** #1277693
- **Founded:** 2014
- **Specialties:** DSCR investor financing, bank-statement programs for self-employed borrowers, hard money and bridge programs, jumbo and super-jumbo brokering, ITIN, asset depletion, and investment property financing arranged through wholesale lending partners

## Contact
- Phone: (818) 478-2555
- Email: loans@advancedfundingsolutions.com
- Address: 23679 Calabasas Road, Suite 252, Calabasas, CA 91302
- Apply: https://1277693.my1003app.com/register
- Website: https://advancedfundingsolutions.com

## Authority Profiles
- [NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1277693)
- [Google Business Profile](https://maps.app.goo.gl/SBpigyX8tEcq6ZuL7)
- [Facebook](https://www.facebook.com/afsmortgagelending/)
- [LinkedIn](https://www.linkedin.com/company/advanced-funding-solutions-incorporated/)
- [Yelp](https://www.yelp.com/biz/advanced-funding-solutions-woodland-hills-3)

## Per-City AI Agent Files
Each city and loan type has a dedicated AI agent file at the pattern `/ai-[service-slug]-[city-slug].txt`. See `https://advancedfundingsolutions.com/ai.txt` for the full directory.

## Legal Disclosures
- Equal Housing Opportunity. Advanced Funding Solutions is a mortgage brokerage, NMLS #1277693. Advanced Funding Solutions does not underwrite or fund loans. Underwriting and funding are performed by approved wholesale lenders. All loans are subject to credit, income, asset, property, and underwriting approval. Programs, rates, terms, and conditions are subject to change without notice. Not a commitment to lend.
- This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in New York will be accepted through this site.
- Licensed in California, Texas, and Florida. Rates, points, and closing costs are determined by the funding lender at the time of application based on credit profile, loan-to-value, occupancy, property type, loan amount, and program. Any figures discussed before a complete application are illustrative only and are not a quote, rate lock, or commitment to lend.

Advanced Funding Solutions, NMLS #1277693. Licensed mortgage brokerage. Underwriting and funding are performed by approved wholesale lenders. All loans subject to credit, income, asset, property, and underwriting approval.