The California Mortgage Broker Built for Every Borrower
From San Diego to Los Angeles and Orange County to the Bay Area, LendFriend Mortgage provides access to competitive rates and low fees across Conventional, Jumbo, VA, FHA, and Non-QM programs. Whether you're a W2 employee or a self-employed entrepreneur, we'll help you buy or refinance your home the right way.
Why California Homebuyers Trust LendFriend Mortgage
At LendFriend Mortgage, we help California buyers secure Conventional, VA, and Jumbo home loans structured around their financial profile and long-term plans. Whether purchasing in Los Angeles, refinancing in San Diego, or buying in the Bay Area, we compare top wholesale lenders to deliver competitive pricing and approvals that hold up.
Here’s why borrowers choose us:
- Competitive conventional loan options. LendFriend offers a wide array of conventional loan options for all borrowers from first time homebuyers to investors that come with competitive rate and low lender fees. Whether a borrower is putting down 3% or 20%, we structure files cleanly from day one so underwriting is predictable and closings stay on schedule.
- Jumbo loans and adjustable-rate options for California luxury homes. In many California markets, financing extends beyond conforming limits. We structure jumbo fixed and ARM products — including 7/6 and 10/6 adjustable-rate mortgages — designed for borrowers who prioritize flexibility, payment optimization, or shorter holding periods.
- VA loans with 0% down and no loan limits. Eligible veterans and active-duty service members can finance up to 100% of the purchase price, with no county loan caps and no mortgage insurance. From entry-level homes to multi-million-dollar properties, we structure VA loans that maximize entitlement while remaining competitive in seller negotiations.
- Non-QM loan options for non-traditional borrowers. For self-employed business owners, crypto investors, and high-asset borrowers, we offer bank statement programs, asset depletion qualification, and other alternative documentation solutions designed to reflect real cash flow — not just tax returns.
- Proven experience in California lending. With more than a decade in the mortgage industry and over $1.5 billion originated since 2018, we’re known for structuring loans intelligently and guiding borrowers through complex financing with clarity — making the path to homeownership smoother and more predictable.
California Home Buying and Refinancing Options
Buying or refinancing in California requires more than rate shopping. Loan limits vary by county, property values range dramatically by region, and income structures — from tech equity to self-employment — often require careful structuring. LendFriend Mortgage helps California borrowers compare loan programs, evaluate refinancing strategies, and move forward with financing built around real numbers, not assumptions.
Our tools, rate updates, and educational resources are designed specifically for California buyers and homeowners — whether purchasing in Sacramento, refinancing in San Jose, or exploring options in Riverside, Fresno, or San Diego.
Loan Programs Designed for Any California Borrower
With access to hundreds of wholesale mortgage lenders, we offer flexible home loan options structured for how Californians actually earn and build wealth. Whether qualifying with traditional W-2 income, RSUs, business revenue, investment assets, or digital holdings, we match borrowers with financing that reflects their real financial profile — not just what fits into a basic template.
.png?width=50&height=50&name=Email%20Icons%20(3).png "Email Icons (3)")
Conventional & Jumbo Loans in California
Designed for first-time buyers and move-up homeowners alike, our conventional and jumbo mortgages offer competitive pricing with fixed and ARM options. LendFriend will structure your home loan to match your purchase and long-term goals.
-1.png?width=60&height=52&name=Email%20Icons%20(4)-1.png "Email Icons (4)-1")
Self Employed Mortgages in California
California has one of the largest self-employed populations in the country. Our bank statement loans allow business owners and 1099 earners to qualify based on cash flow rather than tax returns — offering a stress-free experience.
Crypto-Backed Mortgages in California
For borrowers holding Bitcoin or Ethereum, crypto-backed mortgage solutions make it possible to buy a home in California without selling digital assets and triggering capital gains. Purchase real estate while maintaining long-term exposure to your holdings.
.png?width=50&height=50&name=Flag%20(2).png "American Flag")
VA Loans in California With 0% Down
Eligible veterans and active-duty service members can finance up to 100% of the purchase price with no loan limits and no mortgage insurance. We structure VA loans to maximize entitlement, remain competitive in negotiations, and perform smoothly from pre-approval through closing.
Asset Depletion Mortgages in California
Leverage your assets to qualify for your dream home with an asset depletion mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Our asset-based lending solutions are ideal for high net worth individuals with non-traditional income.
Buy Before You Sell in California
Move into your new home before selling your current one with our Buy Before You Sell program. Unlock your equity upfront, avoid contingent offers, and buy with confidence—without the stress of timing two closings.
LendFriend Mortgage serves the following areas in California:
Whether you’re purchasing along the Southern California coastline, moving into a luxury enclave in the Bay Area, or refinancing a high-value property in a competitive metro market, LendFriend Mortgage helps buyers and investors secure the right home loan for their situation. We offer flexible financing for primary residences, second homes, and investment properties, and work with clients across California’s most sought-after communities — including:
- Los Angeles
- Newport Beach
- Laguna Beach
- San Diego
- La Jolla
- San Francisco
- Santa Monica
- Long Beach
- Anaheim
- Palo Alto
- Irvine
- Sacramento
- Riverside
- San Bernardino
- Oakland
- San Jose
- Fresno
- Bakersfield
Get Started on Your California Home Purchase Today
Whether you’re purchasing in Sacramento, San Diego, San Bernadino, Eureka or anywhere in between, we structure home loans around your goals. From low-down-payment conventional options to VA loans with zero down and jumbo financing for higher-priced homes, we design solutions that fit the property and the plan — not just the price.
Apply online or connect with a California mortgage expert today. We’ll compare competitive rates, explain how programs differ — including conforming, jumbo, VA, and Non-QM options — and map out a clear path from pre-approval to closing. Many of our clients across California close in 30 days or less with financing structured correctly from the start.
What Our Borrowers Say About LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
.png?width=200&height=34&name=Stars%20(4).png "Stars (4)"){kind=small}
-
LendFriend has been an outstanding lending partner, reliable, transparent, and incredibly easy to work with. Their team made the entire process smooth from start to finish, always available to answer questions and guide us through each step. I highly recommend LendFriend to anyone looking for a trustworthy and efficient lender.
Trung Nguyen
Closed July 2025 -
Wow my husband and I were truly impressed with how easy the LendFriend team made our home buying experience. Eric and his team took extra care in explaining and outlining each step -- a real customer first experience. On top of that, each member of the team was incredibly knowledgeable, organized, and responsive; resulting in an expeditious close! The website promise of working around the clock to support you is 100% factual, we had staff answering questions late night and weekends. The entire team was a real pleasure to work with, so if you are looking for a mortgage broker look no further, LendFriend is the team for you! They will give you peace of mind, get you the best rates, and make you feel confident when buying your home :)
Sarah Carr
Closed May 2025 -
I had been looking for a house for 2-3 years and while it was a journey as a business owner with a difficult financial situation this company did what 6 others could not. They got me a jumbo loan based off my business income and when I needed more they just made it happen twice. This process of funding can be extremely difficult and basically a blow to the ego but Eric and his team are literally magicians and my fiancee and I are now closed on out dream house. I recommend them whole heartedly
Shawn Tassone, MD, PhD
Closed April 2025 -
LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more
David Marino
Closed August 2025 -
I am so grateful for Micheal and his team at LendFriend. As a first time homebuyer with multiple businesses, I was very nervous about the loan process. Anyone who’s self employed knows loan processes for us are more extensive but LendFriend made it an ease. From getting a great rate to closing, they made clear communication and were extremely helpful in making sure I had everything I needed to ensure we got the final approval well in advance of closing date. They are truly amazing people to have on your team. Thank you Micheal, Morgan and Crystal for your encouraging words and optimism throughout this process.
Annie Momin
Closed September 2024
Frequently Asked Questions
Why choose LendFriend Mortgage?
LendFriend Mortgage is a mortgage brokerage built for today’s California homebuyers and homeowners. We originate Conventional, Jumbo, FHA, VA, VA IRRRL, and advanced Non-QM loans including bank statement, asset depletion, DSCR, and crypto-backed financing.
What makes us different isn’t just product depth — it’s execution.
As a mortgage broker, we shop multiple wholesale lenders to structure the most competitive option for your scenario. And after your first transaction, we waive lender fees on future loans — because we build long-term relationships, not one-time transactions.
How can I get the best mortgage rate?
Securing a competitive mortgage rate starts with preparation and proper structuring.
Your rate is influenced by several key factors:
- Credit score
- Down payment amount
- Debt-to-income ratio
- Loan program
- Property type
- Market conditions
The strongest outcomes come from aligning these variables strategically. That may mean optimizing your credit utilization, adjusting your down payment structure, or selecting the right loan product for your scenario.
Working with a mortgage broker can also make a meaningful difference, as brokers have access to multiple lenders rather than a single institution’s pricing.
At LendFriend, we focus on delivering a well-structured loan — not just a headline rate — so your financing supports both your purchase and your long-term financial goals.
What’s the first step in getting a mortgage?
The first step is gaining clarity on your financial position.
Before beginning your home search, it’s important to understand:
- How much you can comfortably afford
- Your available down payment
- Your projected monthly payment
- How your income and debt affect qualification
At LendFriend, we begin with a financial review to determine your realistic home shopping budget. From there, we assess documentation, analyze debt-to-income, identify the most appropriate loan program, and issue a strong preapproval.
Approaching the process in this order provides confidence when it’s time to make an offer and helps ensure a smooth path to closing.