Beverly Hills Mortgage Broker
Advanced Funding Solutions is a licensed mortgage brokerage with access to more than 100 wholesale lenders, so your scenario gets compared across the programs and investors most likely to fund it. When a Beverly Hills purchase involves income structures or loan amounts that fall outside what a retail bank will approve, Advanced Funding Solutions is the starting point. Jumbo and super jumbo transactions here regularly involve documentation complexity and property profiles that narrow the field to lenders with specific experience. Since 2014.
- ✓ NMLS #1277693
- ✓ Licensed in California
- ✓ Direct broker access
Why Beverly Hills Buyers Work With a Mortgage Brokerage
Beverly Hills is almost entirely jumbo territory, with Trousdale Estates and The Flats at the top of the market, North Beverly Hills traditional estates in the mid-range, and Beverly Glen canyon compounds at the hillside end, virtually no Beverly Hills inventory falls below the conforming loan limit set each year by the Federal Housing Finance Agency. That means the first question on any Beverly Hills purchase or refinance isn't whether you need a jumbo loan. It's which type of jumbo loan, and from which lender.
Why Jumbo loans Vary From Lender to Lender
Conforming loans are standardized. Fannie Mae and Freddie Mac buy them from lenders using a single set of rules, so most banks price them similarly. Jumbo loans are different. Because each lender keeps these loans in its own portfolio or sells them to a different set of investors, every lender writes its own guidelines: minimum credit scores, cash reserve requirements, how they treat self-employment income, which income types they recognize, how they approach asset based qualification, and what property conditions they'll finance. Two lenders can look at the same Beverly Hills borrower and reach entirely different answers.
A mortgage brokerage compares your loan across multiple lenders at the same time rather than sending you to one bank to find out if it works. Advanced Funding Solutions does not underwrite or fund loans directly. Underwriting and funding are performed by whichever lender you move forward with. Interest rates, points, and closing costs are set by that lender at the time of application, based on your credit profile, the property, the program, and market conditions. Anything discussed before a formal application is illustrative only, not a quote or a commitment to lend.
The Programs Beverly Hills Buyers Use Most
Super jumbo and asset based programs handle the majority of Beverly Hills transactions. Super jumbo loans take over where standard jumbo products reach their ceiling, each lender sets its own maximum loan amount and eligibility rules, so the range of what's available varies. Asset depletion loans qualify buyers using savings, brokerage accounts, and retirement funds rather than paycheck income. The lender applies a formula to your verified assets to calculate a qualifying income figure, both are common in Beverly Hills because of the property profile and the way buyers here often hold their wealth. See our jumbo loan overview and asset depletion loan overview.
Bank statement loans qualify self employed buyers on 12 or 24 months of personal or business deposits rather than tax returns. The right fit when deductions on your returns don't reflect actual cash flow. Hard money and bridge programs are short term and asset based, designed for time sensitive acquisitions and portfolio bridge financing where the buyer is moving between properties. DSCR loans qualify investment properties on rental income separately from the buyer's personal documentation. Conventional, FHA, and VA programs apply where loan amounts fall within agency limits or program eligibility exists, though most Beverly Hills properties are priced above the conforming cap. See our bank statement loan overview, hard money loan overview, and DSCR loan overview. All loans are subject to credit, income, asset, property, and underwriting approval.
Beverly Hills is almost entirely jumbo territory, and jumbo loans aren't standardized the way a conventional loan is. Different lenders have meaningfully different views on the same borrower. We look at your income structure, what your assets look like, the property itself, and how you want to hold title, then compare your loan across lenders before picking one. Getting that comparison done before you apply is the main thing we're here for.
Asset-Depletion Qualification for Investment-Account Buyers
Asset-depletion loans calculate qualifying income from your verified liquid savings, brokerage accounts, and eligible retirement funds rather than from a paycheck. The lender applies a formula to your total eligible assets. Dividing by a set number of months. To produce a qualifying income figure, each lender sets its own formula, which account types count, the maximum retirement-asset percentage they'll use, and the minimum balance you must hold after closing. This qualification path is one of the most commonly used in Beverly Hills because many buyers here hold significant investment positions. Advanced Funding Solutions compares asset-depletion loans across multiple lenders. All loans are subject to credit, income, asset, property, and underwriting approval.
Super-Jumbo Loans for Beverly Hills's Highest-Priced Tier
Super-jumbo loans cover loan amounts above the ceiling of standard jumbo products, each lender sets its own maximum loan amount, minimum credit requirements, reserve requirements, and eligible property types. At the top of the Beverly Hills market. Trousdale Estates and The Flats. Properties regularly reach price levels that require super-jumbo financing. These programs often have more specific documentation requirements and fewer lenders willing to underwrite them, which is where comparing across multiple lenders makes the most difference. Loan amounts, down payment, and pricing are set by the funding lender. See our jumbo loan overview. All loans are subject to credit, income, asset, property, and underwriting approval.
Standard Jumbo and Non-Warrantable Condo Loans
Standard jumbo loans. Qualifying on tax returns, W-2s, and pay stubs. Cover purchases and refinances above the FHFA conforming limit with full income documentation. This is the most common starting point for Beverly Hills buyers with straightforward income. Non-warrantable condominium financing and specialty property types (mixed-use, hillside, gated-community) are matched to the specific lenders that underwrite those property profiles, since many standard jumbo loans exclude them. Loan amounts, minimum credit scores, cash-reserve requirements, and pricing are set by the lender that funds your loan. All loans are subject to credit, income, asset, property, and underwriting approval.
Self-Employed Beverly Hills Buyers Qualifying on Bank Deposits
Bank statement loans qualify you on 12 or 24 months of personal or business bank deposits rather than tax returns. This fits self-employed buyers, business principals, and independent professionals whose tax returns are reduced by legitimate deductions and don't reflect actual monthly cash flow, each lender sets its own requirements. How many months of statements, whether they use personal or business accounts, and how they calculate qualifying income from your deposits. We compare bank statement loans across multiple lenders to find the one whose approach fits how your income is deposited. All loans are subject to credit, income, asset, property, and underwriting approval.
Hard Money and Bridge Financing for Portfolio Acquisitions
Hard money and bridge loans are short-term, asset-based programs designed for situations where speed matters more than conventional underwriting timelines, or where the buyer is bridging between a current property and a new purchase. In Beverly Hills, this financing commonly applies to portfolio acquisitions, high-value estate purchases where the buyer needs to close before their current property sells, and rebuild transactions. Loan amounts, loan-to-value limits, term structure, and pricing are set by each lender. These are bridge tools, not long-term mortgages. If the plan is to refinance into permanent financing, we can review both the bridge and the long-term loan at the same time. All loans are subject to credit, income, asset, property, and underwriting approval.
Trust, LLC, and Estate-Planning Vesting on Beverly Hills Loans
Revocable living trust vesting is standard across jumbo loans in Beverly Hills. Most lenders that write jumbo loans have experience with trust documentation and are comfortable with this structure. LLC vesting is available on investment properties with select lenders and can pair with a DSCR loan when you're buying to rent. Complex trust arrangements, co-trustee situations, and estate-planning-driven purchases require the lender to review the specific trust agreement and vesting structure during underwriting, which trust types and LLC structures each lender accepts varies meaningfully by program and lender. Advanced Funding Solutions matches your vesting structure to the lenders most comfortable with what you're doing. All loans are subject to credit, income, asset, property, and underwriting approval.
Beverly Hills Mortgage loans at a Glance
Who a Beverly Hills Mortgage Brokerage Is a Fit For
Contact Advanced Funding Solutions to discuss whether this program may be a fit for your scenario. Eligibility, loan amounts, and terms are set by the funding lender after a complete application and underwriting review.
Get a Quote →- Buyers whose primary financial strength is in savings, brokerage accounts, and retirement funds rather than a regular paycheck
- Homeowners and buyers purchasing or refinancing above the conforming limit with full income documentation. W-2s, tax returns, and pay stubs
- Self-employed business owners and professionals qualifying on personal or business bank deposits rather than tax returns
- Real estate investors qualifying a Beverly Hills property on its rental income rather than their personal income documentation
- Borrowers holding title in a revocable trust, LLC, or other estate-planning structure
- International buyers and non-U.S. residents with income, savings, or credit documented outside the standard U.S. system
How to Apply for a Beverly Hills Mortgage Through Advanced Funding Solutions
Start With a Conversation Before Any Paperwork
Contact Advanced Funding Solutions to walk through the property you're buying or refinancing, how your income and assets are structured, how you plan to hold title, and what loan amount you're targeting. That conversation determines which programs are most likely to fit your situation, whether that's a super-jumbo, an asset-depletion loan, a bank statement loan, a hard money bridge, or a DSCR investment program. No credit inquiry happens at this stage. Beverly Hills properties and the variety of ways buyers here document income and hold assets mean that identifying the right program before applying matters more than it does on a standard conforming loan. Any numbers discussed at this point are illustrative only, not a quote or a commitment to lend.
Compare Your Loan Across the Lenders Best Positioned to Fund It
Once we understand your situation, we look at your loan against the lenders in our network whose current guidelines most closely fit what you're trying to do. At the Trousdale Estates and Flats end of the market, the relevant question is often which super-jumbo lenders are currently active and what their reserve requirements look like. At the North Beverly Hills and Beverly Glen mid-range, the comparison may involve asset-depletion qualification alongside standard jumbo options. Loan qualifications, minimum credit and reserve requirements, and pricing are all set by each funding lender and may change without notice. Getting that comparison done before committing to an application is where we add the most value on a Beverly Hills loan.
Submit a Complete Application to the Right Lender
Once you and Advanced Funding Solutions have identified the program and lender to move forward with, we submit a full application on your behalf. That lender conducts underwriting, verifies your income and assets, reviews the property, and determines final terms. The formal credit inquiry begins here. Interest rates, points, and closing costs are determined by the funding lender based on your credit profile, loan-to-value, occupancy, the property, the loan amount, the program, and market conditions at the time you apply. These numbers are disclosed in writing during the application process, as required by state and federal law. Anything discussed before this stage is illustrative only, not a quote or a commitment to lend.
Appraisal, Underwriting, and Closing
After your application is submitted, the lender orders an appraisal and works through the remaining underwriting conditions. Beverly Hills estate properties, particularly in Trousdale Estates and along Beverly Glen. Can present appraisal challenges because many comparable sales happen privately or off-market, and the range of property types requires appraisers with specific experience in this market. Closing timelines depend on the lender, the program, the appraisal, title and escrow, and how quickly documentation is gathered. Any timeline discussed during the process is an estimate, not a guarantee. Final loan terms are always disclosed in writing before closing, as required by state and federal law. All loans are subject to credit, income, asset, property, and underwriting approval.
Mortgage Broker in Beverly Hills: Common Questions Answered
What does a mortgage broker do that a bank doesn't?
Most of my money is in savings and investments, not a regular paycheck. Can I still qualify?
What is a super jumbo loan and when does a Beverly Hills purchase require one?
I'm self employed. Can I qualify on bank statements instead of tax returns?
Are there mortgage options for international buyers in Beverly Hills?
Can I use bridge financing to buy in Beverly Hills before my current property sells?
What does a Beverly Hills mortgage cost?
How do I start the Beverly Hills mortgage process with Advanced Funding Solutions?
About Mortgage Broker in Beverly Hills, CA
Beverly Hills sits in the center of Los Angeles County, bordered by West Hollywood to the east, Westwood and Century City to the west, and the Santa Monica Mountains foothills to the north. The housing stock spans four distinct areas: Trousdale Estates on the elevated hillside above Sunset Boulevard, The Flats in the flat-lot 90210 core between Santa Monica Boulevard and Sunset, North Beverly Hills north of Sunset with traditional estate architecture on larger parcels, and Beverly Glen running northeast up the canyon with compound-style properties on hillside lots. Prices at the upper end of Trousdale and The Flats reach well into the tens of millions. Practically no Beverly Hills inventory falls below the conforming loan limit.
Because of that pricing profile, super jumbo and asset based programs handle most of what gets financed here. Super jumbo loans, which reach above the ceiling of standard jumbo products. Are the baseline at the higher end of the Trousdale and Flats market, where loan amounts exceed what most standard jumbo products cover. Asset depletion qualification is common across all four neighborhoods because many Beverly Hills buyers hold their primary financial strength in investment accounts, savings, and retirement funds rather than paycheck income. These aren't exotic programs here. They're the normal ones.
Hard money bridge financing carries meaningful volume in Beverly Hills for portfolio acquisitions and high-value estate purchases where the buyer is moving between properties. These are short term tools designed to be replaced by permanent financing after closing or once a current property sells. For investment acquisitions, DSCR loans qualify the property on its rental income rather than the buyer's personal documentation. A common structure for buyers adding to a rental portfolio in Los Angeles County.
Advanced Funding Solutions, NMLS #1277693, has served California mortgage borrowers since 2014 and is licensed in California, Texas, and Florida. All loans are subject to credit, income, asset, property, and underwriting approval.
Mortgage Broker programs in California → · Los Angeles County mortgage broker overview → · Advanced Funding Solutions, NMLS #1277693 →
Other Loan Programs in Beverly Hills
Beverly Hills borrowers working with Advanced Funding Solutions have access to the full non-QM suite, not just mortgage broker. Whether you need jumbo loans in Beverly Hills , hard money loans in Beverly Hills, AFS routes your scenario across 100+ wholesale lending programs to the one best positioned to fund it.
Mortgage Broker: Other California Cities We Serve
Have a question about a Beverly Hills mortgage?
Advanced Funding Solutions, NMLS #1277693. Contact us to discuss whether a super jumbo, asset depletion, bank statement, hard money, DSCR, conventional, FHA, or VA program may fit what you're doing in Beverly Hills. Program availability and terms are set by the funding lender. All loans are subject to credit, income, asset, property, and underwriting approval.
Ready for a Beverly Hills Mortgage Broker quote?
Leo Teplitsky, NMLS #1277693. Licensed in California, Texas, Florida. No call center. No junior LO handoff.