About Elite Fundings.

Elite Fundings is a Southern California mortgage team operating under Vismar Corporation (NMLS #2046870, CA DRE #02004333). We're headquartered in Covina with branches in La Puente, Long Beach, and Downey, serving every county from Ventura to San Diego, from the coast to the Inland Empire.

We broker — we don't lend.

That distinction matters. A direct lender has one set of guidelines, one rate sheet, and one answer. A broker has a panel of wholesalers and matches the deal to the program that actually fits. In a typical month our team places a 580-FICO FHA buyer, a self-employed CPA on a 12-month bank-statement loan, a DSCR investor cashing out of a Long Beach duplex, and an SBA 7(a) for a restaurant owner buying his building — across four different wholesalers. One team. Four programs. Four problems solved.

What we do differently

• We answer the phone. Every team member's direct line is on the Team page. Not a queue. Not a virtual assistant. If we're in a closing we'll text back inside the hour.
• We show the math. Rate sheet, wholesaler comparison, where compensation comes from — all of it. If another LO is beating our pricing, we want to know why, and we'll tell you if they're right.
• We won't quote what we can't deliver. Rate-bait is the oldest trick in the industry. The rate we quote is the rate we can lock — or we don't quote it.
• We say no more than yes. If your scenario doesn't pencil, we'll tell you why and what you could do about it. Sometimes the honest answer is "wait six months and save another $20K." We've said that many times. We'll keep saying it.
• Bilingual. English and Spanish — start to close.

Who we work with

First-time California buyers who need someone to explain CalHFA vs. FHA vs. conventional 3% down without making it feel like rocket science. Self-employed borrowers whose tax returns understate their real income and need bank-statement or P&L programs. Real estate investors building rental portfolios who've outgrown conventional Fannie and need DSCR or portfolio loans. Small business owners buying owner-user commercial real estate on SBA 7(a) or 504. And anyone who has been told "no" by someone else and wants a second read.

What it costs to find out

Nothing. Call (626) 833-7449 or pick a loan officer on our Team page. We'll ask five questions and tell you in 15 minutes whether the loan closes, what the rate and payment look like, and what the next step is. If it's not going to close, we'll tell you that too.

Verify our license

We want you to verify our license — that's the point of a regulated industry. NMLS Consumer Access #2046870 · CA DRE #02004333.

FAQ

Will I talk to a real loan officer, or to a call center?

Directly to a licensed loan officer on our team — no SDR, no call queue. Pick the team member you want to work with on the Team page, or call (626) 833-7449 and we'll route you to whoever's free first.

Is using a broker more expensive than going direct to a lender?

No — and often less. Broker compensation in a mortgage transaction is paid by the wholesale lender (lender-paid comp), disclosed on your Loan Estimate. Because we shop multiple wholesalers, our clients often get a lower rate or lower closing costs than going direct to a single retail lender.

What areas of California do you serve?

All of Southern California — Los Angeles, Orange, San Bernardino, Riverside, Ventura, San Diego, Santa Barbara, Kern, and Imperial counties. Loans originated in California only.

How experienced is the Elite Fundings team?

Combined, our team brings decades of California lending experience across conventional, FHA, VA, jumbo, non-QM, DSCR, and commercial loans. Every loan officer is individually licensed and verifiable on NMLS Consumer Access.

What languages does the team speak?

English and Spanish. Full bilingual service from scenario review through closing.

Who is Vismar Corporation?

Vismar Corporation is the licensed mortgage and real estate brokerage that sponsors the Elite Fundings team (NMLS #2046870, CA DRE #02004333). Elite Fundings is Vismar's DBA for its mortgage line. Headquartered at 552 E Badillo St, Covina, CA 91723, with branches in La Puente, Long Beach, and Downey.

What if I've already been told 'no' by another lender?

That's often when calling a broker makes the most sense. A direct lender has one set of guidelines; a broker shops a panel of wholesalers, each with their own overlays and product lineup. A 'no' from a big-box retail lender is often a 'yes' at a non-QM wholesaler — or vice versa. Always worth the second read.