Office hours: Monday to Friday, 9:00 AM – 5:00 PM Pacific
Contact
Tell us the situation and you get a read on which programs fit. No document package to assemble first, and no appraisal to pay for before you know where you stand.
Investor and business-purpose lending nationwide. Owner-occupied home loans in California.
Reviewed by Eric Antonio Figueroa, Principal Broker — DRE #01510659, NMLS #411191
What happens after you send it
Before anything goes to a lender
You get a reply from a person.
Not an auto-quote and not a rate sheet.
We ask what is missing.
Usually two or three facts.
You get the scenario analysis
Which programs are plausible, which are not, and what each would ask of you. Free, and it does not touch your credit.
Only once you say so
If a program fits, we place the file.
That is the lender analysis, across a panel of 20+ lenders.
Nothing is submitted to a lender until you say so. A scenario analysis is a conversation, not an application.
Response timing:Within 48 hours on business days.
What to put in the box
The more of this you give, the more useful the first reply is. None of it is required.
Investment property
The market and property type, purchase price or current value and balance, the rent or projected rent, roughly where your credit sits, what you have for down payment and reserves, and whether you are buying in an entity.
Owner-occupied home in California
Purchase price or current value, how your income is earned, roughly where your credit sits, what you have available, and any credit events and roughly when.
Construction or a stalled build
The land or the part-built project, the budget, what has been spent, permit status, and how the loan is meant to be paid off at the end.
What we cannot help with
Saying this here saves you the inquiry.
Owner-occupied loans outside California. Consumer mortgage lending is licensed state by state. Eric holds California. Business-purpose investor financing is a different matter — that is brokered nationwide.
Unsecured lending, and anything not secured by real property. Every program on this site is secured by property.
A file with no equity going in and none in the property. No program substitutes for it.
An instant decision with no conversation. The conversation is the product.
Frequently Asked Questions
Does contacting you affect my credit?
No. The scenario analysis is a conversation. Nothing is pulled unless and until you apply, and you will be told before that happens.
Am I committing to anything?
No. Nothing on this page or website constitutes an offer of credit, a rate quote, or a commitment to lend. All loans are arranged through third-party lenders and are subject to full application, credit approval, income/asset verification, property appraisal, and underwriting. Terms and availability are subject to change without notice.
Do you charge for the scenario analysis?
No.
Can you tell me a rate?
Not on this site and not in a first email. Rates depend on the program, the property, the file and the lender, and a number quoted before any of that is known is worth nothing. Bring a quote you already have and we will tell you what we make of it.
I am outside California — can you still help?
For investment and business-purpose property, yes. California for consumer lending; business-purpose brokered nationwide, Eric broker of record.
Can I check your license before I call?
Yes, and it takes about thirty seconds. DRE #01510659 · NMLS #411191 · Company NMLS 1509834 · verify at www.nmlsconsumeraccess.org. The DRE public record shows no disciplinary action on record.
Something on this site is not accessible to me.
Tell us and it gets fixed. The route and what to expect are on the Accessibility Statement.
Office
2211 Michelson Dr, Ste 900
Irvine, CA 92612
Visits are by appointment. Almost nothing here requires one — files are worked by phone, email and secure document upload, and most clients never come in.
Business Hours (Pacific Time)
- Monday
- 9:00 AM – 5:00 PM
- Tuesday
- 9:00 AM – 5:00 PM
- Wednesday
- 9:00 AM – 5:00 PM
- Thursday
- 9:00 AM – 5:00 PM
- Friday
- 9:00 AM – 5:00 PM
- Saturday
- Closed
- Sunday
- Closed
If you would rather start with the numbers
Or start from your situation on the loan programs index.
Tell us the situation. We will tell you which programs fit.
Nothing on this page or website constitutes an offer of credit, a rate quote, or a commitment to lend. All loans are arranged through third-party lenders and are subject to full application, credit approval, income/asset verification, property appraisal, and underwriting. Terms and availability are subject to change without notice. Loankey.io is a licensed real estate broker; loans are arranged, not made. Investor and business-purpose lending nationwide. Owner-occupied home loans in California.