Your Mortgage Made Easy
We value your time — that’s why we’ve streamlined the home loan process from start to finish. As a family-owned mortgage brokerage, we combine personal service with the power of wholesale lending, giving you faster closings, better rates, and a smoother experience than the big banks can offer.
Why Work With A Broker?
When you work directly with a bank, you’re limited to their loan products, rates, and timelines. As a mortgage broker, we shop multiple wholesale lenders to find the best option for you — saving you money, time, and stress.
As a wholesale mortgage broker, we have access to:
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Faster turn times than most retail banks
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More competitive interest rates
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Lower fees and more flexible loan options
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Industry-leading technology for faster approvals
Buying or refinancing in Southern California?
Meet Nathan, our Orange, CA mortgage expert.
Pre-Approval
We start with a quick, no-obligation pre-approval so you know exactly how much you can borrow and what your payment will be.
Loan Shopping
We compare options from multiple wholesale lenders, finding the best fit for your goals and budget.
Application & Documentation
Our team guides you through every document and requirement — often completing this step in hours, not days.
Underwriting & Appraisal
We work closely with the lender to ensure your file moves quickly and any questions are answered immediately.
Clear To Close
Once your loan is approved, we coordinate with all parties so you can sign and get your keys (or finalize your refinance) on schedule.
Signing & Keys
Sign in person or remotely. Meet to get your keys if you are buying and celbrate whether its a purchase or refi!
Our Loan Process (Step-by-Step)
Conventional Loans
Flexible terms, competitive rates, and down payments
as low as 3%.
FHA Loans
Low down payment options with easier credit qualifications.
VA Loans
Zero-down financing for eligible veterans and active service members.
Jumbo Loans
High-value financing for luxury or
higher-priced homes.
USDA Loans
100% financing for qualified rural homebuyers.
Refinancing
Lower your rate, change your term, or tap into
home equity.
Loan Programs to Fit Your needs
Why Clients Choose Broker Direct Lending
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Wholesale Rates Across Top Lenders – We negotiate aggressively on your behalf.
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Fast Closings – Purchases and refinances in weeks, not months.
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Local Expertise – Offices in Auburn & Orange County, serving all of California.
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5-Star Service – Backed by 90+ Google reviews.
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Family-Owned Values – Personal attention with professional results.
Ready to Get Started?
Whether you’re buying your first home, upgrading, or refinancing, we’ll make it simple — and save you money in the process.
Buying or refinancing in Southern California?
Meet Nathan, our Orange, CA mortgage expert.