San Fernando

San Fernando Valley Mortgages

Finance West Lending

Get the best rates on home loans in the San Fernando Valley area of Los Angeles. Finance West Lending helps buyers and homeowners in the San Fernando Valley, from Encino to West Hills with all types of residential mortgages: Conforming, Non-QM, FHA, VA, and Jumbo mortgages.

Current rates – Average 30 year fixed rates – October 2026

STILL HAVE QUESTIONS?

Why San Fernando Valley homeowners choose Finance West Lending

We’re a California-licensed mortgage broker based in Torrance with a focus on Orange County buyers and investors. We work with multiple lenders to find competitive rates and flexible programs — FHA, VA, Conventional, Jumbo, and Non-QM — and we guide you from pre-approval through closing so you don’t waste time or money.

Jumbo Loans

Higher limits for Orange County luxury homes.

Bridge Loans & Renovation Financing

Buy before you sell 

FHA Loans

Low down payment for first-time buyers.

VA Loans

Zero down and lower fees for veterans.

Non-QM / Bank Statement Loans

For self-employed borrowers and investors.

Conventional Loans

Competitive rates for buyers with strong credit.

Refinance (Rate-Term & Cash-Out)

Lower payments or access equity.

Ready To Get Started?

Take the first step toward your Los Angeles home. We’ll help you find the right loan, the right rate, and a clear path to homeownership.

Get Pre-Approved

Explore Rates

Talk with a Local Expert

What Our Clients Say

Joshua Schwartz

Client & Commercial Realtor

★★★★★

Incredibly knowledgeable, approachable and responsive.

Mark Whitney

Santa Monica, CA

★★★★★

I always encourage everyone to get more than one mortgage quote. However, I guarantee Stephan will match if not beat the other offer. I have no idea how he does it, but he always does.

Elena Tuttle

Client

★★★★★

Above and beyond. We had a very complex 1031 exchange and multiple mortgages with multiple entities. Stephan and his team worked tirelessly to ensure we closed on our properties. Professionality and excellence personified. We will be coming back for all our financing needs in the future.

Monique Balta

Repeat Client

★★★★★

Best mortgage broker ever !

M. Garcia

Client

★★★★★

Outstanding firm! The level of professionalism and knowledge Finance West offers their clients is simply the best. A company who truly understands and is committed to provide the best service to the client.

Feven Belay

Client & Realtor

★★★★★

Stephan is the best lender hands down. He is very intelligent and cares about every transaction big or small. He has done several loans for me and my clients and I am confidant and happy to refer him to all my clients.