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New Home

Your Mortgage Made Easy

At Broker Direct Lending, we make the mortgage process simple and transparent. As a family-owned California mortgage brokerage, we combine local expertise with the power of wholesale lending—helping you secure faster closings, lower rates, and a smoother experience than big banks can deliver.

Why Work With A Broker?

Faster approvals = Get into your home sooner
Lower wholesale rates = Save thousands over the life of your loan
Flexible loan options = More ways to qualify
Local experts = Real people who know California housing

Hear directly from Marcus Johnson, Broker/Owner, about how wholesale lending puts you first.

Marcus Johnson
Broker/Owner

Ready to Start Your Home Loan Journey?
Let's make it simple, get pre-approved today or give us a call!

Loan Programs to Fit Your needs

5-Star Mortgage Broker Reviews from California Homebuyers

Conventional Loans

Flexible terms, competitive rates, and down payments

as low as 3%.

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FHA Loans

Low down payment options with easier credit qualifications.

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VA Loans

Zero-down financing for eligible veterans and active service members.

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Jumbo Loans

High-value financing for luxury or

higher-priced homes.

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USDA Loans

Zero-down loans for eligible rural homebuyers.

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Refinancing

Lower your rate, change your term, or tap into

home equity.

Learn More

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PRE-APPROVAL

Submit your info online and get pre-approved in minutes.

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APPLICATION

Complete your secure loan application and upload docs.

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LOAN SHOPPING

We compare top wholesale lenders to find your rate

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PROCESSING

Verification appraisal, and underwriting made simple.

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FINAL APPROVAL

Conditions cleared, e-sign documents digitally.

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CLOSING

Funding sent-keys or cash-out delivered. Welcome home!

Our Loan Process

Why Clients Choose
Broker Direct Lending

  • Wholesale Rates Across Top Lenders – We negotiate aggressively on your behalf.

  • Fast Closings – Purchases and refinances in weeks, not months.

  • Local Expertise – Offices in Auburn & Orange County, serving all of California.

  • 5-Star Service – Backed by 90+ Google reviews.

  • 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.

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