Woodland Hills Mortgage Broker
Been told no by your bank, or sick of explaining your tax returns? We shop your loan across more than 100 lenders and tell you who will say yes. It costs you nothing to ask.
- ✓ NMLS #1277693
- ✓ Licensed in California
- ✓ Direct broker access
How a Mortgage Broker Works in Woodland Hills
You are trying to buy a house here and you keep hearing the same answer from every bank. That is the problem a brokerage exists to solve. We take your income, your credit and the house you want, and we shop the loan across more than 100 lenders instead of one. You fill out a single application. We do the comparing, and you see what comes back.
Why the same borrower gets different answers
Every lender writes its own rules about income, reserves and property type. Your loan can be an easy yes at one and an automatic no at the next, with nothing about you changing in between. So a decline at your own bank is usually a matching problem, not a you problem. Our job is to find the lender whose rules already fit your situation, before you fill anything out or start a formal application. Get a quote and see where you stand.
Which kind of Woodland Hills buyer are you
If you are buying up above the freeway, your loan is probably larger than the conforming limit, which makes it a jumbo loan. If you are buying down on the flats, you are usually in ordinary conventional or FHA territory. Those two paths lead to completely different lenders. Working out which one you are on is the first thing we do, because everything after it depends on the answer.
What we see most often here
Jumbo loans lead, because of what houses cost on the hillside. Bank statement loans come next, because so many buyers here own their own business. After that it is conventional loans on the flats, DSCR loans for people buying rentals, asset depletion for buyers who are retired or close to it, and bridge loans for anyone closing on a new house before the old one sells. Six paths, and only one of them is yours.
Most people who call me have already been told no somewhere, and they think that means they don't qualify. Usually it just means they walked into the one lender whose rules they didn't fit. I've got over a hundred to choose from, so I start by finding out what actually happened, then I go find the lender who says yes.
When Your Price Clears the Limit
Your price went above the conforming limit and the rules changed on you. Bigger down payment, more months of reserves, a pickier appraiser. Jumbo lenders also disagree with each other far more than conventional lenders do, so the same loan can land very differently depending on who reads it. We already know which ones are comfortable with hillside lots and which ones will find a reason to back out. Yours goes to the right one the first time. See our jumbo loan overview.
If You Work for Yourself
You run your own business, your accountant did a great job, and now your tax returns make it look like you barely earn anything. A bank statement loan ignores the tax returns. It reads 12 to 24 months of deposits into your business or personal account and qualifies you on what actually came in. For a lot of business owners here that is the whole difference between a decline and an approval. Lenders average those deposits differently, so picking the right one changes your number. See our bank statement loan overview.
If Your Income Is Straightforward
You have W-2 income, solid credit, and a price inside the conforming limit. Your loan is the straightforward kind, and the only real question left is who gives you the best deal on it. That is exactly where a brokerage earns its keep. Same borrower, same house, different lender, and a different rate and closing cost. We put your loan in front of several and show you what each one came back with, side by side. Start with a quick quote.
Buying a Rental
You want another rental, but your personal income is already stretched across the properties you own. A DSCR loan does not look at your tax returns. It compares what the property rents for against what the payment would be, and qualifies on that. It works for single family rentals and small apartment buildings alike. What the place rents for, and how you document it, is what decides which lender fits. See our DSCR loan overview.
When Your Wealth Is Not a Paycheck
You are retired or close to it, and on paper your monthly income looks small next to what you are actually worth. An asset depletion loan turns your savings, brokerage and retirement accounts into a monthly income figure a lender can underwrite. Every lender runs that math differently, especially on retirement accounts and anything sitting in a trust. We work out whose formula gives you the largest number before your loan goes anywhere. See our asset depletion loan overview.
Bridge and Hard Money Loans
You found the house before yours sold, and the seller is not going to wait around. A bridge loan lends against the equity you already have instead of your income, so you can close now and deal with the sale afterward. It also covers a hillside property that needs work before a normal lender will touch it. These are short term loans, meant to be refinanced or paid off when your old house sells. See our hard money loan overview.
Woodland Hills Mortgage Loans at a Glance
Who This Is 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 →- You are buying above the freeway and your loan is larger than a conventional lender will write
- You are self employed and your tax returns do not reflect what your business actually brings in
- You have W-2 income and simply want to know which lender gives you the best deal
- Your money sits in retirement and brokerage accounts rather than arriving as a paycheck
- You are buying a rental and want it to qualify on the rent it produces, not on your income
- You need to close on a new home before your current one has sold
How to Apply for a Woodland Hills Mortgage
Tell Us What You Are Buying and How You Get Paid
You do not need documents yet, and nothing formal starts at this stage. We just need three things: roughly what the house costs, whether you are up in the hills or down on the flats, and how your income arrives. W-2, business deposits, rent from other properties, or a portfolio you are drawing from. Those three answers point at a category of lender. Getting that right at the start saves you from finding out six weeks in that your lender will not do what you need.
We Shop Your Loan Across More Than 100 Lenders
Once we know the shape of your loan, we compare it against the lenders whose current rules actually fit it. If you need a jumbo loan and you are self employed, that means finding the shorter list who will do both at once. If you are a W-2 buyer on the flats, it means finding who is cheapest this week. And if the house is on a hillside or in a fire zone, it means ruling out the lenders who quietly refuse those. You see the comparison before you apply anywhere.
We Send It to the Lender Most Likely to Say Yes
Your loan goes to the one lender whose rules, pricing and timeline fit it best. We order the appraisal right away, because on a hillside property that is usually the slowest moving part. You are not left guessing while it happens. We chase the document requests, read the appraisal when it lands, and tell you what it says rather than forwarding you a PDF. If something comes back that changes the plan, you hear it from us the same day.
You Close, and the Lender Funds It
The lender underwrites and funds your loan. We run it through closing, handle the back and forth, and stay on it until the keys are yours. After that the lender or its servicer takes over your payments, and we will tell you who that is before you sign. Advanced Funding Solutions is a licensed California mortgage brokerage. We do not underwrite or fund loans ourselves, which is exactly why we can shop so many lenders on your behalf.
Mortgage Broker in Woodland Hills: Common Questions Answered
When does a Woodland Hills purchase need a jumbo loan?
Can I get a mortgage if I'm self employed and my tax returns look bad?
Does being in a fire zone affect my loan?
What is an asset depletion loan?
How do DSCR loans work for a rental?
Why use a broker instead of walking into my bank?
Will talking to you hurt my credit?
How do I get started?
About Mortgage Broker in Woodland Hills, CA
Buying here is really two different exercises, and which one you're in comes down to elevation. Up above the freeway, prices push past the conforming limit, so most purchases turn into jumbo loans and a narrower list of lenders. Down on the flats, a lot of buyers stay inside conventional and FHA limits and have the full field to choose from. Knowing which side of that line you're on is worth more at the start of your search than at the end of it.
The other thing worth knowing early is that plenty of buyers here own their own business. If that's you, your tax returns are probably working against you at a conventional lender, and a bank statement loan is likely the better road. When you're buying a hillside house and running your own company at the same time, you need a lender who handles both, and that list is shorter than the list who handle either one. Sorting that out upfront is most of what we do before your loan goes anywhere.
Hillside houses also come with an appraisal that takes longer and an insurance bill that can be higher, especially where the fire hazard rating is elevated. Both of those change what you qualify for, so we factor them in while we're choosing the lender rather than discovering them after an appraisal has been ordered. Our office is about ten minutes away in Calabasas, so these are transactions we see constantly rather than occasionally.
For the full range of loan types across the county, see the mortgage broker in Los Angeles overview, or tell us about your purchase and we will point you at the right one.
Mortgage Broker programs in California → · Los Angeles County Mortgage Broker Overview → · Advanced Funding Solutions, NMLS #1277693 →
Other Loan Programs in Woodland Hills
Woodland 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 Woodland Hills , hard money loans in Woodland Hills, AFS routes your scenario across 100+ wholesale lenders to the one best positioned to fund it.
Mortgage Broker in Other California Cities
Tell us what you are buying
Tell us what you are buying and how your income arrives, and we will tell you which lenders are likely to say yes before you apply anywhere. No application, no obligation. Call (818) 478-2555 or send the form. Advanced Funding Solutions, NMLS #1277693, is a licensed mortgage brokerage in California. All loans are subject to credit, income, asset, property, and underwriting approval.
Ready for a Woodland Hills Mortgage Broker quote?
Advanced Funding Solutions, NMLS #1277693. Licensed in California. No call center. No junior LO handoff.