Best Mortgage Broker Long Beach Near Me

4worldlovers: Our founder, Adam Evans, entered the mortgage industry at the young age of 21 to support his daughter. Through his experience, he recognized that there were inefficiencies in the traditional referral-based real estate services model that drove up costs for consumers. To address this, he founded Long Beach Home Loan in 2015 with the mission of marketing directly to people and passing on the resulting savings to customers. By cutting out unnecessary overhead costs, we are able to offer highly competitive rates and better service to our clients.

We are a dedicated group of experienced professionals who are passionate about helping people analyze and lower their mortgage payments. Our goal is to provide refinancing services at a lower cost to the consumer, so that we can pass on the savings to our clients. We believe in treating everyone with the utmost professionalism, courtesy, and empathy, ensuring that our clients receive the best possible financing for their home. Our guiding principle is simple - we treat our clients like family, providing them with the same deal we would offer to our own loved ones. We understand that refinancing can be a stressful and confusing process, but our team is here to make it as easy and transparent as possible. We are committed to providing the highest level of service, expertise, and integrity to our clients. At our company, you can trust that we have your best interests at heart.

We are committed to a bold vision of financial empowerment for everyday Americans. We believe that access to affordable financing can be a key factor in helping people achieve freedom and independence in their lives. We have made it our mission to provide transparent and trustworthy lending solutions that prioritize the needs of our customers. By lowering payments and offering fair and competitive rates, we aim to create a path to financial stability and prosperity for as many people as possible. Through our work, we hope to be a force for positive change in the lending industry and help people achieve their dreams.

FHA refinancing is a mortgage refinancing option backed by the Federal Housing Administration that offers lower interest rates, flexible repayment terms, and reduced monthly mortgage payments. It's ideal for homeowners who want to save money and may not meet traditional lending criteria.

Conventional refinance is a private mortgage refinancing option that offers lower interest rates, shorter repayment terms, and the ability to remove private mortgage insurance (PMI) for eligible borrowers. It requires a higher credit score and lower debt-to-income ratio than FHA refinancing.

VA refinance is a mortgage refinancing option available to eligible veterans, active-duty service members, and surviving spouses. It offers lower interest rates, reduced monthly mortgage payments, and access to home equity without requiring a down payment or private mortgage insurance. VA refinance programs include the IRRRL and Cash-Out Refinance, each with their own eligibility requirements and benefits.

Streamline refinances are a simplified mortgage refinancing option that require minimal paperwork and documentation. They're typically offered by government-backed loan programs like FHA and VA and offer lower interest rates and reduced monthly payments. Streamline refinances can be a great option for borrowers who want to save time and money on their mortgage payments.

Cash-out refinance is a mortgage refinancing option that allows borrowers to access their home equity by borrowing more than their outstanding loan balance. The extra funds can be used for a variety of purposes. This option can be advantageous for homeowners who have built up equity in their homes and want to leverage that value to meet their financial goals.

We pride ourselves on having a deep understanding of the mortgage industry and the economic conditions that can impact it. We have a wealth of knowledge and experience in multiple loan programs, giving us the expertise needed to help you find the best possible financing options. Unlike other mortgage companies, we take a personalized approach and go beyond the surface level to understand your unique financial situation and goals. With our industry knowledge and commitment to excellence, we're confident that we can help you make informed decisions about your mortgage and achieve your homeownership dreams.

As a company specializing in refinancing home loans, we have over a decade of experience in the industry. Over the years, we have funded thousands of refinances, including streamline refinances, cash out refinances, debt consolidation, and more. Our team's extensive experience in this area has given us a deep understanding of the refinancing process, allowing us to help our clients get lower payments and improve their financial position. We take pride in our history of providing personalized solutions tailored to each client's unique needs and goals.

4worldlovers: You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate. I've got great news... I'm here to solve that all for you. Check out the reviews from other folks just like you that I've worked with and see how I can make the process easier.

4worldlovers:
Whether you are looking to purchase a home or upgrade the one you have, it all starts with choosing the right lender and the right home loan.


Cash buyers have the advantage - from getting their offers accepted to moving into their dream homes faster. Cash buyers can save big too. Buying a home in cash could save you as much as 11% over those using a mortgage*. Now you can become a cash buyer too! Through NAF Cash, we buy the home in cash and sell it back to you. You’ll close faster and move in sooner.


We've simplified the process and created tools to give you a

4worldlovers: We make buying a home and refinancing easy. With state of the art technology, great communication and incredible lending partners, we can close your loan in as fast as 15 days.

Get it done fast and painless. With our digital, online application and streamlined processses, we can close quickly, and with no headaches.

We take the hassle out of getting a mortgage. Step one is to answer some questions so we can get you pre-approved.

Interested in lowering your monthly payment? Or getting cash out to do pay some bills or update your home?

If your interest rate is below 3.5%, you should NEVER refinance. Home Equity Lines of Credit and 2nd mortgages are a great way to access your equity when you need the cash.

4worldlovers: BluPrint Home Loans is a Division of NFM, Inc. dba NFM Lending, NFM NMLS #2893. NFM is an Equal Housing Lender. Some products and services may not be available in all states.

4worldlovers: We've been in the mortgage business for more than 16 years of combined experience, and we understand that behind every relationship is a real person or family with dreams and goals and we love helping those dreams come true!

Don't take our word for it, check out what our clients think about The Julio Sandoval Lending Team!

I just wanted to say that my wife and I had a wonderful experience working with Julio. He put our minds at ease and explained everything in detail and when we had questions, he was able to help us understand them in a way that made sense. I highly recommend working with Julio!