Traditional
First-time buyers
A buyer using FHA, a low-down conventional program, or CalHFA on a primary residence.
Elite Fundings · Mortgage Team
One team.
More experience
under one roof.
A Southern California mortgage team placing conventional, FHA, VA, jumbo, non-QM, and DSCR loans throughout Los Angeles, Orange, San Bernardino, Riverside, Ventura, San Diego, Santa Barbara, Kern, and Imperial counties.
NMLS #2046870CA DRE #02004333Licensed team
Meet Our Team
Elite Fundings
NMLS #2046870
"More experience under one roof than you'll ever see."
9
SoCal counties served
4
DRE-licensed offices
EN / ES
Service languages
What We Place
Conventional to non-QM.
One team.
Independent California brokerage. We match each scenario to the program that actually fits — first-time buyers, self-employed borrowers, and investors.
Conventional & Government
Traditional financing — Fannie Mae, Freddie Mac, FHA, VA, USDA, and jumbo programs for primary residences and second homes.
View programs
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.
View programs
Investor & DSCR
DSCR rental loans, cash-out, seconds, and HELOCs for California investors.
View programs
Borrowers
Start with the person, then the program.
FHA, conventional, and VA are the loans this site is built to be found for. The other doors are for the file those loans do not fit.
Traditional
Conventional
A W-2 borrower buying or refinancing a primary residence or second home.
Traditional
Veterans
A veteran buying or refinancing a home they will live in.
Specialty
Investors
Someone buying or refinancing a 1–4 unit rental where the rent can carry the payment.
Specialty
Self-employed
A primary-residence borrower whose deposits are stronger than the tax return.
Specialty
Business owners
An owner buying or refinancing a house or a 2–4 unit property with business deposits.
Specialty
Foreign nationals and ITIN
An ITIN borrower, or a non-resident buying in California. Those are different loans.
Specialty
Seniors
A homeowner using equity, starting with a HELOC or a closed-end second.
Specialty
Medical professionals
A physician or other covered medical license buying a primary residence.
Service Area
Nine Southern California counties.
Licensed in California. Headquartered at 552 E Badillo St, Covina, CA 91723, with branches at 13701 E Amar Rd, Suite B, La Puente, CA 91746; 3425 Orange Ave, Long Beach, CA 90807; and 7857 E Florence Ave, Suite 201, Downey, CA 90240. We serve Los Angeles, Orange, San Bernardino, Riverside, Ventura, San Diego, Santa Barbara, Kern, and Imperial counties.
Los AngelesLong BeachPasadenaSanta MonicaBeverly HillsGlendaleBurbankWest CovinaCovinaLa PuenteDowneyAnaheimSanta AnaIrvineNewport BeachHuntington BeachRiversideSan Bernardino+ 8 more
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 call center.
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 pull live pricing on the programs that fit — conventional, FHA, VA, jumbo, bank statement, DSCR — and walk you through 2–3 options 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. If it doesn't pencil, you get the reason and what would change it.
04
Underwriting, concierge
Once under contract, your loan officer stays on the file. Every condition, every update: handled directly. You get status by text.
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 retail lender has one set of guidelines. We work with wholesale lenders, so a file that doesn't fit one box often still closes.
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, San Diego County, Santa Barbara County, Kern County, and Imperial County. Headquartered at 552 E Badillo St, Covina, CA 91723, with branches at 13701 E Amar Rd, Suite B, La Puente, CA 91746; 3425 Orange Ave, Long Beach, CA 90807; and 7857 E Florence Ave, Suite 201, Downey, CA 90240.
- What types of mortgages does Elite Fundings offer?
- Conventional, FHA, VA, jumbo, bank statement and other non-QM, DSCR for rentals, seconds and HELOCs. We're brokers — we match the file to a wholesale lender. We don't originate SBA loans.
- 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.
- Which borrowers does Elite Fundings work with?
- FHA, conventional, and VA come first. Investors, self-employed borrowers, ITIN and foreign-national buyers, physicians, seniors, and business owners each have a door. We do not originate SBA loans. The doors are at https://www.elitefundings.com/borrowers.
- Does Elite Fundings work with first-time home buyers and self-employed borrowers?
- Yes. For first-time buyers we work 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 do a lot of 12- and 24-month bank statement, 1099-only, and P&L loans — especially 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. Business-purpose ADU construction lending 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.
Send us your scenario
Tell us whether you are buying or refinancing and we'll follow up. Prefer to talk? Call (626) 833-7449.
This site does not quote a rate or APR you can lock. A rate, APR, and terms depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors, and come from a licensed loan officer. Not all applicants will qualify.