- 24445 Hawthorne Blvd #201, Torrance CA 90505
- Mon - Fri (09:00 AM - 05:00 PM) and by appointment
Get the best rates on home loans in The Central Valley. Finance West Lending helps buyers and homeowners in the Central Valley, from Bakersfield to Stockton with all types of residential mortgages: Conforming, Non-QM, FHA, VA, and Jumbo mortgages.
Current rates – Average 30 year fixed rates – January 2026
We’re a California-licensed mortgage broker based in Torrance with a focus on Central Valley 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.
Higher limits for Orange County luxury homes.
Buy before you sell
Low down payment for first-time buyers.
Zero down and lower fees for veterans.
For self-employed borrowers and investors.
Competitive rates for buyers with strong credit.
Lower payments or access equity.
Based in Torrance, serving the Central Valley with tailored home loans, refinancing, and investor financing.
Get Pre-Approved
Schedule Free Consultation
Phone: (866) 600-9011
Client & Commercial Realtor
Incredibly knowledgeable, approachable and responsive.
Repeat Client
Best mortgage broker ever !
Repeat Client
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.
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.
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.
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.
Looking for mortgages outside of the Central Valley? Explore Los Angeles Programs, Orange County, South Bay, and the Other Areas we serve.
DRE 01970326 NMLS 1494813
