Elite Fundings · Mortgage Team
60+ loan programs.
One team.
More experience
under one roof.
A Southern California mortgage team placing loans across every major program — conventional, FHA, VA, jumbo, non-QM, DSCR, and commercial — throughout Los Angeles, Orange County, San Bernardino, Riverside, San Diego, and Ventura.
Meet Our Team
Elite Fundings
NMLS #2046870
Years licensed
Loan programs
SoCal counties
Team members
What We Place
Every major program.
One panel of wholesalers.
As an independent California brokerage with access to a wide panel of wholesale lenders, our team matches each scenario to the program that actually fits — from first-time buyers through institutional commercial deals.
Conventional & Government
Traditional financing — Fannie Mae, Freddie Mac, FHA, VA, USDA, and jumbo programs for primary residences and second homes.
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Non-QM & Alternative Doc
For self-employed borrowers, complex income, or recent credit events — bank statement, 1099, P&L, asset depletion, ITIN, and foreign national options.
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Investor & Bridge
DSCR rental loans, fix & flip, ground-up construction, and bridge financing for real estate investors and BRRRR strategy.
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Commercial
SBA owner-user, agency multifamily, NNN credit-tenant, and private-capital bridge for commercial real estate.
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Service Area
From the coast to the Inland Empire.
Licensed across California. Headquartered in Covina with branches in La Puente, Long Beach, and Downey. Direct service from Beverly Hills to San Diego, Santa Monica to San Bernardino.
Tools
Run the numbers before the call.
Seven free calculators. Nothing you enter leaves your browser. When you're ready for a real scenario, start an application or call directly.
Process
How we work — call to keys.
Five steps from the first phone call to the wire. Every one runs through your loan officer directly — not a queue, not a portal, not a junior processor.
01
The 15-minute call
You tell us about the deal — property, income, timeline, credit range. Five questions, roughly 15 minutes. We'll tell you whether the loan closes, what the rate and payment look like, and which program fits. If it's not going to close, we'll tell you that too.
02
Scenario match
We shop across our wholesaler panel — conventional, FHA, VA, jumbo, non-QM bank statement, DSCR, SBA — and pull 2–3 live rate quotes side by side. You see the math, not just the marketing number.
03
Pre-qualification letter
Within 24 hours of a complete scenario, you have a written pre-qual letter your listing agent will actually respect. Not a form pre-qual — an underwritten commitment conditioned on verified docs.
04
Underwriting, concierge
Once under contract, your loan officer runs the file end-to-end — no handoff to a junior processor. Every condition, every update, every missed appraisal window: handled directly. You get status by text, not a portal nobody reads.
05
Funding day
Your rate is locked. Conditions are cleared. Docs are signed. The wire goes out. You get the keys. No last-minute surprises, no missed closing dates — because problems were flagged on day one, not day thirty.
Differentiation
Why borrowers choose a broker over a retail lender.
We answer our phone
Every team member's direct line is on the team page. No queue, no SDR, no virtual assistant. In a closing? We text back within the hour.
We show the math
You see the rate sheet, the wholesaler comparison, and where our comp comes from. Transparency, not trickery.
Broker, not lender
A lender has one set of guidelines. We shop a panel — your scenario matches the program, not the other way around.
No over-promise
We won't quote a rate we can't deliver at lock. If your loan doesn't pencil, we'll tell you why and what would fix it.
Frequently Asked
What borrowers ask before the first call.
- Does Elite Fundings work with borrowers throughout Southern California?
- Yes. Elite Fundings is licensed by the California Department of Real Estate (DRE #02004333) and registered with NMLS (#2046870), serving all of Southern California — including Los Angeles County, Orange County, San Bernardino County, Riverside County, Ventura County, and San Diego County. Headquartered in Covina with branches in La Puente, Long Beach, and Downey.
- What types of mortgages does Elite Fundings offer?
- Our team brokers across a wide panel of wholesalers, which means we can place virtually every program available in California. Conventional agency (Fannie / Freddie), government (FHA, VA, USDA), jumbo and super jumbo, non-QM alt-doc programs (bank statement, 1099, P&L, asset qualifier, ITIN, foreign national), investor financing (DSCR, fix & flip, bridge, construction), and commercial real estate loans (SBA, agency multifamily, NNN credit-tenant).
- What's the NMLS ID and how can we verify the license?
- Our company NMLS ID is 2046870. We are licensed through Vismar Corporation, doing business as Elite Fundings. Verify our license anytime at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2046870.
- Does Elite Fundings work with first-time home buyers and self-employed borrowers?
- Yes. For first-time buyers we offer FHA, conventional 3% down (HomeReady / Home Possible), and California down-payment assistance (CalHFA MyHome; CalHFA Dream For All when a voucher round is open). For self-employed borrowers, we have deep experience with 12- and 24-month bank statement loans, 1099-only, P&L-only, and asset-qualifier programs — especially useful when tax returns understate real income.
- Does Elite Fundings finance ADUs in Los Angeles?
- Yes — HomeStyle Renovation, FHA 203(k), cash-out, and HELOC paths for owner-occupied files. Private money / hard money ADU construction is not an Elite Fundings / Vismar consumer mortgage. Start at /adu-financing.
- How do we contact Elite Fundings?
- Call (626) 833-7449, email info@elitefundings.com, or reach a specific loan officer directly from the team page at https://www.elitefundings.com/team. Typical response time is within one business day.
Ready when you are
Tell us about the deal.
15 minutes. Five questions. A real answer. If the loan closes, we'll tell you how. If it doesn't, we'll tell you that too — and what would change it.
Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.