Wholesale Mortgage Broker LA South Bay & Palos Verdes [2026]
By Mo Abdel, NMLS #1426884 | Updated February 2026
According to Mo Abdel, NMLS #1426884, the LA South Bay and Palos Verdes corridor demands mortgage solutions that retail banks simply cannot provide. With median home values spanning $1.1 million in Agoura Hills to $6 million in Hidden Hills, the overwhelming majority of purchases and refinances in this region require jumbo financing above the $1,209,750 conforming limit. Aerospace defense contractors on the Palos Verdes Peninsula, entertainment industry executives in Calabasas and Hidden Hills, medical professionals in Rolling Hills Estates, and equestrian estate owners in Rolling Hills each present unique income documentation challenges that a wholesale broker with 200+ lender relationships resolves through program matching rather than force-fitting borrowers into a single bank's guidelines.
LA South Bay & Palos Verdes Wholesale Mortgage Quick Facts (2026)
- 2026 Conforming Limit (LA County): $1,209,750 (most properties here require jumbo)
- Wholesale Lender Network: 200+ wholesale lenders including 30+ jumbo specialists
- Region Median Home Values: $1.1M (Agoura Hills) to $6M (Hidden Hills)
- Common Income Types: Aerospace/defense, entertainment, medical, equestrian, corporate
- Communities Served: Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills, Rolling Hills Estates, Hidden Hills, Calabasas, Agoura Hills, Westlake Village
- Max Loan Amounts Available: Up to $10M+ through specialized wholesale jumbo programs
Wholesale Broker vs. Retail Bank: Why It Matters for LA South Bay & Palos Verdes
The distinction between wholesale and retail mortgage channels matters more in luxury markets than anywhere else. When properties, income profiles, and loan amounts exceed standard parameters, the breadth of a wholesale broker's lender network determines what a borrower can access. Here is a direct comparison tailored to this specific market.
| Factor | Retail Bank / Credit Union | Wholesale Mortgage Broker |
|---|---|---|
| Jumbo Loan Options | 1-3 jumbo products (own portfolio) | 20-30+ jumbo lenders with varying guidelines |
| Max Loan Amount | Typically $3-5M cap | Up to $10M+ through specialized lenders |
| Self-Employed Programs | Full documentation required (2yr tax returns) | Bank statement, P&L, 1099, asset depletion |
| Entertainment Income | Difficult to qualify variable income | Specialized lenders for royalties, residuals, SAG |
| Equestrian/Estate Properties | May decline or undervalue | Lenders with estate property appraisal expertise |
| Rate Shopping | Single rate from single lender | Multiple competing rate quotes in real-time |
| Closing Speed | 35-50 days typical | 21-45 days (rush options available) |
| Down Payment Flexibility | Standard 20-25% on jumbo | 10-25% depending on program and borrower |
| Cost to Borrower | Bank overhead built into rates | Lower overhead = lower rates in most cases |
As a wholesale mortgage broker (NMLS #1426884) who has originated loans across every community in this region, I see the wholesale advantage play out in virtually every transaction. A Palos Verdes Estates buyer whose bank offers a single jumbo product at a set rate does not know whether a competing lender offers the same loan at a lower rate with reduced fees. I provide that competitive intelligence automaticallyābecause comparison shopping is the core function of the wholesale model.
City-by-City Overview: Income Types & Why Wholesale Matters
Each community in the LA South Bay and Palos Verdes corridor attracts distinct professional demographics. These income profiles create specific mortgage qualification challenges that wholesale broker access resolves.
| City | Median Value | Primary Income Types | Qualification Challenge | Why Wholesale Matters |
|---|---|---|---|---|
| Palos Verdes Estates | $2.9M | Aerospace/defense, corporate exec, medical | RSU income, deferred comp, bonus structures | Lenders accepting RSU + bonus for qualification |
| Rancho Palos Verdes | $2.0M | Aerospace retiree, professional couple, business owner | Pension + investment income mix, self-employed | Asset depletion, bank statement programs |
| Rolling Hills | $3.0M | Equestrian income, trust/inheritance, corporate | Agricultural/equestrian income, unique property type | Estate property lenders, ag-income specialists |
| Rolling Hills Estates | $2.0M | Medical professional, attorney, small business | Practice income, partnership draws, K-1 complexity | Professional practice-friendly lenders |
| Hidden Hills | $6.0M | Entertainment exec, celebrity, tech founder | Variable royalties, production income, ultra-luxury property | Entertainment specialists, $10M+ loan access |
| Calabasas | $1.8M | Entertainment industry, tech, corporate leadership | Residual income, SAG pension, business ownership | Bank statement jumbo, entertainment income |
| Agoura Hills | $1.1M | Professional couple, small business, remote worker | Near conforming limit, dual-income documentation | Conforming + jumbo options, best rate shopping |
| Westlake Village | $1.4M | Corporate retiree, medical, pharmaceutical | Retirement income, pension + investment blend | Asset depletion, pension-qualifying programs |
The income diversity across this region is the primary reason wholesale broker access matters more here than in homogeneous suburban markets. A retail bank with a single underwriting rubric cannot simultaneously accommodate an aerospace engineer's RSU compensation in Palos Verdes Estates, a television producer's residual royalties in Calabasas, and a horse breeder's agricultural income in Rolling Hills. Each of these borrowers needs a different lender with different program guidelinesāand a wholesale broker provides that match.
Income Documentation: Programs for Every Borrower Profile
The most common reason mortgage applications are declined in luxury markets is not poor credit or insufficient incomeāit is income documentation that does not fit a specific lender's requirements. Wholesale brokers solve this by matching each borrower's income type with a lender whose programs are designed for that exact profile. Here is how each documentation type works.
| Program Type | Documentation Required | Best For | Max Loan Amount | Local Example |
|---|---|---|---|---|
| Full Documentation | 2 years W-2, tax returns, pay stubs | Salaried employees, stable income | $10M+ | Aerospace engineer at Northrop Grumman, PV |
| Bank Statement (Personal) | 12-24 months personal bank statements | Self-employed, entertainment industry | $5M+ | TV producer in Calabasas |
| Bank Statement (Business) | 12-24 months business bank statements | Business owners, medical practices | $5M+ | Medical practice owner in Rolling Hills Estates |
| Asset Depletion | Liquid assets documentation (brokerage, retirement) | Retirees, high-net-worth individuals | $5M+ | Retired entertainment exec in Hidden Hills |
| 1099 Income | 2 years 1099 forms | Independent contractors, consultants | $3M+ | Defense consultant on PV Peninsula |
| P&L Statement | CPA-prepared P&L, limited supporting docs | Recent self-employment, startups | $3M+ | Tech startup founder in Calabasas |
| DSCR (Investment) | Property rental income only (no personal income) | Investment property buyers | $3M+ | LA investor buying rental in Agoura Hills |
| Foreign National | Passport, foreign income docs, higher down payment | Non-US citizens purchasing property | $5M+ | International buyer in Westlake Village |
Each of these programs exists because the traditional full-documentation model fails to capture the financial reality of many high-earning borrowers. A successful entertainment producer who earns $2 million annually may show minimal taxable income on returns due to legitimate business deductions, production costs, and depreciation. Bank statement programs look at actual cash flow rather than taxable income, accurately reflecting the borrower's ability to service a mortgage payment. Without wholesale broker access to these programs, that producer cannot qualify for the home they can clearly afford.
LA South Bay & Palos Verdes Mortgage Market Analysis
Palos Verdes Peninsula: Aerospace & Defense Corridor
The Palos Verdes Peninsula has been home to aerospace and defense industry professionals for over five decades. Northrop Grumman, Raytheon, Boeing, and dozens of defense subcontractors maintain major facilities within a 20-mile radius. This creates a concentrated population of high-income borrowers with complex compensation structures: base salary in the $150,000-$350,000 range, restricted stock units (RSUs) vesting on multi-year schedules, annual performance bonuses ranging from 15-40% of base, and deferred compensation plans that shift taxable income between years.
Retail banks typically count only base salary and a two-year average of bonuses for qualification. Wholesale lenders access programs that also count RSU vesting income (using the vesting schedule to calculate recurring value), fully count contractual bonuses, and recognize deferred compensation as an asset. For a Palos Verdes Estates buyer with $200,000 base salary plus $120,000 in annual RSU vesting and a $60,000 guaranteed bonus, the difference between a bank counting $200,000 and a wholesale lender counting $380,000 determines whether they qualify for the $2.5 million jumbo loan their purchase requires.
Western LA: Entertainment Industry & Creative Economy
Calabasas and Hidden Hills anchor LA's western entertainment industry residential corridor. The income profiles here are among the most complex in American mortgage lending. Entertainment professionals earn through multiple streams: Screen Actors Guild (SAG-AFTRA) residuals, Writers Guild pension payments, production company profits, talent agency commissions, brand endorsement deals, and intellectual property royalties. No two entertainment borrowers have identical income structures.
The challenge is volatility. A showrunner who earned $3 million during a production year may earn $400,000 the following year between projects. Tax returns show dramatically different income levels, causing banks to use the lower figure or average down to an amount that does not reflect the borrower's actual earning capacity. Wholesale lenders offering bank statement programs look at actual monthly deposits over 12-24 months, smoothing out production cycle volatility to arrive at a representative income figure.
With 15+ years of experience structuring loans for entertainment professionals throughout the Calabasas and Hidden Hills corridor, I have developed relationships with wholesale lenders whose underwriters understand entertainment industry income documentation. This specialization means faster approvals, fewer conditions, and higher loan amounts than entertainment borrowers receive from general-market lenders.
Rolling Hills: Equestrian Estate Financing
Rolling Hills presents a financing challenge that most lenders are unprepared to handle: equestrian properties that blur the line between residential and agricultural use. A typical Rolling Hills estate sits on 1-5 acres with a primary residence, guest quarters, a multi-stall barn, covered riding arena, paddocks, and professionally maintained pastures. The residential improvements alone may be worth $2 million, but the equestrian infrastructure adds $500,000-$1 million in appraised value that many lenders either undervalue or cannot properly categorize.
Some Rolling Hills homeowners also generate income from boarding horses, training services, or breeding operations. This agricultural income creates documentation complexity that general residential lenders reject. Wholesale broker access to lenders experienced with equestrian and estate properties ensures accurate valuations and income recognition. I work with specific appraisers who have completed dozens of Rolling Hills valuations and understand the premiums that equestrian zoning and facilities command in this one-of-a-kind community.
Regional Hub Guides: Detailed Wholesale Mortgage Analysis by Sub-Market
Hub Guide: Wholesale Mortgage Broker Palos Verdes Peninsula
Cities Covered: Palos Verdes Estates ($2.9M median), Rancho Palos Verdes ($2.0M), Rolling Hills ($3.0M), Rolling Hills Estates ($2.0M)
The Palos Verdes Peninsula hub guide delivers city-specific wholesale mortgage strategies for each of the four peninsula communities. Palos Verdes Estates buyers navigating the competitive Malaga Cove and Lunada Bay markets need pre-approval from jumbo lenders who can close within 30 days to compete with cash offers. Rancho Palos Verdes buyers considering properties near Portuguese Bend benefit from lenders experienced with geological survey requirements. Rolling Hills equestrian estate financing requires specialized appraisal coordination and agricultural-income lenders. Rolling Hills Estates offers the broadest range of property types on the peninsula, with strategies for everything from updated ranch homes to hilltop estates.
The hub guide covers: jumbo program comparisons by property value tier, aerospace industry income documentation strategies, ocean-view property appraisal tactics, equestrian property lender selection, and closing timeline strategies for competitive peninsula listings.
Read the Full Palos Verdes Peninsula Wholesale Mortgage Guide ā
Hub Guide: Wholesale Mortgage Broker Western LA Luxury
Cities Covered: Hidden Hills ($6.0M median), Calabasas ($1.8M), Agoura Hills ($1.1M), Westlake Village ($1.4M)
The Western LA Luxury hub guide focuses on wholesale mortgage strategies for entertainment industry professionals and high-net-worth individuals in LA's premier western valley communities. Hidden Hills transactions frequently exceed $5 million and require lenders with ultra-luxury property experience and comfort with entertainment industry income volatility. Calabasas purchases in The Oaks and surrounding gated communities demand jumbo programs with bank statement or asset depletion qualification options.
Agoura Hills represents the region's best opportunity for conforming-limit or near-conforming purchases, with median values around $1.1 million. Westlake Village buyers benefit from North Ranch and lake community premium valuations that justify higher loan amounts. The hub guide addresses entertainment income documentation, compound property financing, celebrity privacy protections during the mortgage process, and investment property strategies using DSCR programs.
Read the Full Western LA Luxury Wholesale Mortgage Guide ā
Case Scenarios: Wholesale Mortgage Solutions in Action
Mo Abdel (NMLS #1426884) operates through Lumin Lending (NMLS #2716106) as a wholesale mortgage broker. The following scenarios illustrate how wholesale lender access resolves real financing challenges that LA South Bay and Palos Verdes buyers encounter.
Case Scenario 1: Aerospace Defense Contractor Jumbo Purchase
Profile: James and Sandra, ages 46 and 43. James is a principal systems engineer at a major aerospace defense contractor in El Segundo. Sandra is a senior research scientist at a biotech firm. Combined base salary: $410,000. James's RSU vesting: $175,000/year on a four-year cliff schedule. James's annual performance bonus: $85,000 average over three years. Sandra's signing bonus from recent job change: $100,000. Credit scores: 772 and 758.
Goal: Purchase a $3.4 million home in Palos Verdes Estates with panoramic ocean views. Target down payment: 20% ($680,000). Required loan amount: $2.72 million.
Challenge: Their retail bank counted only base salary ($410,000) and a two-year bonus average ($65,000, reduced because one year was lower during COVID adjustments), arriving at $475,000 qualifying income. At 43% debt-to-income, this supported a maximum loan of approximately $2.1 millionā$620,000 short of their target. The bank excluded RSU income entirely and would not count Sandra's signing bonus since it was a one-time payment.
Wholesale Broker Solution: I identified a jumbo lender whose aerospace-industry underwriting guidelines count RSU vesting income using the four-year vesting schedule as recurring compensation. This lender also used a three-year bonus average ($85,000) rather than the bank's two-year average, and counted Sandra's signing bonus as reserves rather than income (strengthening the overall file). Total qualifying income: $410,000 base + $175,000 RSU + $85,000 bonus = $670,000. At 43% DTI, this supported a $3.1 million loanāwell above their $2.72 million need. James and Sandra closed on their Palos Verdes Estates home 34 days after application, at a rate that was 0.25% below what the retail bank had initially quoted for the smaller loan amount.
Case Scenario 2: Entertainment Royalty Income Purchase
Profile: Marcus, age 39. Television showrunner and executive producer. Primary income from a production company LLC. Last three years of tax returns show: Year 1 (production year): $2.8M; Year 2 (between projects): $380,000; Year 3 (production year): $3.1M. Current year bank deposits averaging $185,000/month from multiple sources: production fees, residuals, streaming royalties, and development deals. Credit score: 745.
Goal: Purchase a $5.2 million estate in Hidden Hills with recording studio and guest house. Down payment: 25% ($1.3 million). Required loan amount: $3.9 million.
Challenge: Two major banks declined the application. Bank A averaged three years of tax return income to $2.09 million, then applied expense ratios that reduced qualifying income to $1.2 million. The resulting maximum loan was $2.8 million. Bank B required consistent year-over-year income growth and flagged the Year 2 drop from $2.8M to $380K as a disqualifying factor, despite Year 3 recovery to $3.1M. Neither bank's underwriting model could accommodate entertainment industry production cycles.
Wholesale Broker Solution: I structured the application using a 24-month bank statement program with a lender whose underwriters specialize in entertainment industry income. The lender calculated qualifying income from 24 months of business bank deposits ($185,000/month average = $2.22M annual), using a standard 50% expense factor for production companies. Net qualifying income: $1.11M annually, which at 43% DTI supported a $4.2 million loanācomfortably above the $3.9 million target. The lender's familiarity with Hidden Hills property types meant the appraisal accurately valued the recording studio and guest house as improvements rather than penalizing non-standard features. Marcus closed in 38 days at a rate competitive with full-documentation jumbo programs.
Case Scenario 3: Equestrian Property with Land Valuation
Profile: Catherine and Robert, ages 54 and 57. Catherine runs a boutique equestrian training facility. Robert is a semi-retired corporate attorney with ongoing consulting income. Combined income: Catherine's business deposits average $28,000/month; Robert's consulting 1099 income is $240,000/year. Liquid assets: $2.1 million in brokerage accounts. Credit scores: 790 and 805.
Goal: Purchase a 3-acre Rolling Hills estate with a 4-stall barn, covered arena, and primary residence listed at $4.5 million. Down payment: 30% ($1.35 million). Required loan amount: $3.15 million.
Challenge: Two lenders declined due to property type. The first lender's appraiser classified the property as āagriculturalā rather than residential and the lender does not finance agricultural properties. The second lender approved the residential classification but capped the appraised value at $3.2 million by undervaluing the equestrian improvements and excess acreage, reducing the maximum loan to $2.24 million at 70% LTV.
Wholesale Broker Solution: I connected Catherine and Robert with a jumbo lender experienced in estate and equestrian property transactions. The lender assigned an appraiser from their specialty panel who has completed over 40 Rolling Hills valuations. The appraisal correctly valued the property at $4.6 million, reflecting the premium that Rolling Hills equestrian zoning and facilities command in this irreplaceable community. Catherine's equestrian business income was documented through 24 months of business bank statements, while Robert's consulting income was verified through 1099 forms. Combined with their strong asset position, the couple qualified for the full $3.15 million loan. The appraiser's Rolling Hills expertise was the decisive factorāthe difference between a $3.2 million valuation that killed the deal and a $4.6 million valuation that made it work.
These three scenarios illustrate a recurring pattern: borrowers with strong financial positions are declined or underserved by retail lenders whose underwriting models cannot accommodate the income structures and property types prevalent in LA South Bay and Palos Verdes. Wholesale broker access to specialized lenders resolves each of these situations not through exceptions or workarounds, but through programs specifically designed for these exact borrower and property profiles.
Related LA South Bay & Palos Verdes Mortgage Guides
- Reverse Mortgage LA South Bay & Palos Verdes Guide [2026] ā HECM and jumbo reverse mortgage options for homeowners 62+ seeking tax-free retirement income
- Home Equity LA South Bay & Palos Verdes Guide [2026] ā HELOC, HELOAN, and cash-out refinance strategies for existing homeowners
- Wholesale Mortgage Broker California Statewide Guide [2026] ā Complete California wholesale mortgage landscape including all regional markets
Frequently Asked Questions: Wholesale Mortgage Broker LA South Bay & Palos Verdes
What is a wholesale mortgage broker and how is it different from a bank?
A wholesale mortgage broker accesses loan products from 200+ wholesale lenders, comparing rates and programs to find the best match for each borrower. Banks offer only their own products with fixed guidelines. For Palos Verdes and Western LA luxury purchases requiring jumbo financing, this comparison shopping delivers better rates and more flexible qualification options than any single retail lender can provide.
What is the conforming loan limit for LA County in 2026?
The 2026 conforming loan limit for LA County is $1,209,750. Most properties in Palos Verdes, Rolling Hills, Hidden Hills, and Calabasas exceed this limit, requiring jumbo financing. Wholesale brokers access 20+ jumbo lenders with varying guidelines, rates, and maximum loan amounts reaching $10M or more for ultra-luxury properties.
Can I qualify for a jumbo mortgage with entertainment industry income?
Yes. Wholesale brokers access lenders specializing in entertainment industry income including residual royalties, SAG-AFTRA pension, production company income, and variable compensation. Bank statement programs, asset depletion, and 1099 income programs serve entertainment professionals in Calabasas, Hidden Hills, and surrounding communities who cannot qualify through traditional tax-return documentation.
How do I qualify for a mortgage with equestrian property income in Rolling Hills?
Rolling Hills equestrian property owners with income from boarding, training, or breeding operations benefit from wholesale lenders experienced with agricultural and equestrian income documentation. Business bank statement programs capture this income effectively. The property itself requires appraisers familiar with equestrian estates to accurately value residential improvements, acreage, and equestrian facilities.
What jumbo loan programs are available for Palos Verdes home purchases?
Palos Verdes buyers access multiple jumbo programs through wholesale channels: traditional full-documentation jumbo (lowest rates), bank statement jumbo (self-employed), asset depletion jumbo (retirees and high-net-worth), foreign national jumbo, 1099-only programs, and interest-only jumbo. Each program has different qualification criteria, with loan amounts available up to $10M or more depending on the program and borrower profile.
What down payment is required for a Hidden Hills luxury home?
Down payment requirements for Hidden Hills luxury homes depend on the loan amount and program. Jumbo loans up to $2M typically require 15-20% down. Loans from $2M-$5M require 20-25% down. Loans above $5M may require 25-35% down. Select wholesale lenders offer 10% down jumbo programs for highly qualified borrowers with excellent credit and substantial reserves.
How does a wholesale broker help with aerospace industry income documentation?
Aerospace professionals in the Palos Verdes area often have complex compensation including base salary, restricted stock units, performance bonuses, and deferred compensation. Wholesale brokers match these income types with lenders who count each component appropriately for qualification. Some lenders accept RSU vesting schedules and contractual bonus guarantees that retail banks exclude entirely.
What closing timeline can I expect for a Palos Verdes jumbo purchase?
Jumbo purchase transactions in Palos Verdes typically close in 30-45 days. Luxury property appraisals may require additional time due to limited comparable sales and unique features. Rush closings in 21 days are available through select wholesale lenders for straightforward transactions. Complex properties like Rolling Hills equestrian estates may need 45-60 days for thorough appraisal and underwriting.
Do wholesale brokers charge more than banks?
No. Wholesale brokers typically deliver lower rates than retail banks because wholesale lenders price their products without the overhead costs of bank branches, marketing, and retail loan officer commissions. The broker is compensated through the wholesale rate spread, which is already factored into the quoted rate. Most transactions involve no additional broker fees.
Can I qualify using asset depletion if I am retired in Calabasas?
Yes. Asset depletion programs calculate qualifying income by dividing your liquid assets by a set number of months (typically 240-360). A Calabasas retiree with $3 million in investment accounts could qualify with $8,333-$12,500/month in calculated income, regardless of actual disbursements. This method is ideal for retired entertainment executives and business owners with substantial portfolios.
What types of investment properties can I finance in this market?
Wholesale lenders offer investment property programs for 1-4 unit residential properties, including DSCR (Debt Service Coverage Ratio) loans that qualify based on rental income rather than personal income. For LA South Bay investment properties, DSCR loans are popular with high-net-worth buyers who want to separate personal finances from investment activities. Loan amounts up to $3M+ are available.
How do land valuations work for mortgage purposes in Rolling Hills?
Rolling Hills properties sit on minimum one-acre lots, with some exceeding five acres. Mortgage appraisals value both the residential improvements and the land. Wholesale lenders with estate property experience use appraisers who understand that Rolling Hills acreage carries a significant premium due to equestrian zoning, scarcity, and the gated community's exclusive character. This expertise prevents the undervaluations that generic appraisers frequently produce.
Can I finance a Westlake Village lakefront property with a wholesale broker?
Yes. Westlake Village properties including those on or near Westlake Lake and in the North Ranch community qualify for jumbo financing through wholesale channels. Lake access and premium lot locations are reflected in appraised values by experienced appraisers. Typical loan amounts for Westlake Village range from $800K to $2M depending on the specific neighborhood, property type, and borrower qualifications.
Can I get a mortgage for a property in a gated community like Hidden Hills?
Yes. Gated community properties in Hidden Hills, Rolling Hills, and The Oaks of Calabasas qualify for all mortgage types including jumbo purchase, refinance, and HELOC. Gate access for appraisals is coordinated by the broker, and HOA fees and assessments are factored into debt-to-income calculations. I handle all logistics for gated community transactions to ensure smooth closings.
Expert Summary: Wholesale Mortgage Advantage for LA South Bay & Palos Verdes
The LA South Bay and Palos Verdes corridor is one of Southern California's most complex mortgage markets. Aerospace defense contractors with RSU-heavy compensation, entertainment industry executives with production-cycle income volatility, equestrian estate owners with agricultural property classifications, and corporate retirees with substantial assets but limited traditional incomeāeach of these borrower profiles requires a different lender with different program guidelines. A retail bank serves one profile well and fails the others. A wholesale broker matches every borrower with the optimal lender from a network of 200+ competitors.
The financial impact is measurable. In luxury markets where loan amounts routinely exceed $2-$5 million, even a small rate differential translates to tens of thousands of dollars over the loan term. The qualification impact is even more significant: borrowers who are declined by retail banks frequently qualify with wholesale lenders whose programs are designed for their exact income and property profile. The wholesale advantage is not theoreticalāit is the difference between owning the home you want and settling for less.
Contact Mo Abdel today at (949) 822-9662 for a confidential mortgage analysis specific to your LA South Bay or Palos Verdes purchase or refinance. I will compare programs across multiple wholesale lenders to identify the best rates, terms, and qualification strategy for your unique income profile and property type.
Mo Abdel | NMLS #1426884 | Lumin Lending, Inc. NMLS #2716106 | Licensed Mortgage Broker, California Department of Real Estate. Loan approval subject to credit, income, and property qualification. Rates, terms, and availability subject to change without notice. Not all borrowers will qualify. This is not a commitment to lend. Equal Housing Lender.