- 24445 Hawthorne Blvd #201, Torrance CA 90505
- Mon - Fri (09:00 AM - 05:00 PM) and by appointment
Finance West Lending is a Mortgage Broker based in Torrance, CA and we proudly serve clients throughout California. No matter where you’re buying or refinancing in California, we’re here to help.
We use the most up to date technologies to offer you great rates, work out the best options, and to make the process easy and hassle free.
In addition to offering all of the standard conforming, jumbo, and government loan programs, Finance West Lending has partnered with other lenders to offer unique and innovative loan programs that make economic sense. These programs include:
VA loans are certainly the most advantageous loans available. VA loans have amazing features:
– among the lowest fixed rates available
– allow for the highest DTI in most cases
– 0% down payment in most cases
– No MI even at 0% down
– Loan Amount above conforming limits
FHA are designed to help first time home buyers, although technically multiple FHA loans can be owned at the same time.
They offer unique features such as:
– Among the lowest rates available
– High DTI allowable
– Flexible Underwriting
– Competitive MI factor
Conforming Loans are loans offered or guaranteed by Fannie Mae and Freddie Mac. In most cases, they are the guarantors, not the originators. They offer very versatile guidelines and have competitive rates. Conforming loans allow for as little as 3% down payment. Conforming loan amount limits are determined each year for each county and make adjustments for high cost of living.
Jumbo loans are generally considered loans with loan amounts above the conforming limit. Rates and terms vary a great deal. Portfolio loans are loans the bank ‘keep on their books’, which means they do not sell them to the secondary market (i.e. outside investors). That means they can offer terms that are unique, as long as they are within the limits required by federal regulation.
Non-QM Mortgages
Non-QM Loans are a fast growing segment of loan programs that fall outside the traditional loan offerings. They solve an important niche and solve problems for clients that have specific challenges and who can’t qualify for the traditional loan programs.
Call us to discuss your goals:
(866)600-9011
loanofficer@fiwest.com
Or book an appointment for a Zoom Call:
Areas We Serve
San Francisco Mortgages
Marin County Mortgages
Silicon Valley Mortgages
Central Valley Mortgages
We have served our clients for 20 years and and always strive to deliver the best possible service with great mortgage rates
