Los Angeles County
Santa Monica Mortgage Broker.
Mortgage lending in Santa Monica — luxury condos, North of Montana estates, and Sunset Park single-family.
Elite Fundings · NMLS #2046870 · CA DRE #02004333
About the Santa Monica market
Jumbo and super-jumbo dominate. Condotel-adjacent products surface occasionally for short-term rental investors. Asset-qualifier programs are common for entertainment/tech income.
Neighborhoods we serve in Santa Monica
Common ZIP codes: 90401, 90402, 90403, 90404, 90405.
Programs that fit Santa Monica best
Jumbo
Super Jumbo ($3M+)
Portfolio jumbo for high-net-worth borrowers. Loan amounts $3M–$10M+.
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Jumbo
Prime Jumbo
Full-doc jumbo above the 2026 county limit. Los Angeles and Orange: over $1,249,125.
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Alt-Doc — Asset-Based
Asset Qualifier / Asset Depletion
Qualify using liquid assets depleted over a loan term — no income documentation required.
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Alt-Doc — Property Type
Condotel
Financing for condominium units in hotel-operated buildings (short-term rental pools).
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FAQs — Santa Monica mortgage financing
- Does Elite Fundings work with Santa Monica homebuyers?
- Yes — Santa Monica is part of our Southern California service area. Elite Fundings is licensed throughout California (NMLS #2046870, CA DRE #02004333). Call (626) 833-7449 to discuss your scenario.
- What neighborhoods in Santa Monica do you serve?
- Across all of Santa Monica — including North of Montana, Sunset Park, Ocean Park, Wilshire-Montana, Mid-City SM, and more. Common ZIP codes: 90401, 90402, 90403, 90404, 90405.
- What loan programs work well in Santa Monica?
- Jumbo and super-jumbo dominate. Condotel-adjacent products surface occasionally for short-term rental investors. Asset-qualifier programs are common for entertainment/tech income. The programs that fit best locally include: Super Jumbo ($3M+), Prime Jumbo, Asset Qualifier / Asset Depletion, Condotel.
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.