SGV & Pasadena Mortgage Broker: Caltech, Healthcare & International Buyers [2026]
200+ lender access for purchase and refinance across 9 SGV cities ā jumbo, bank statement, medical professional, and international buyer programs
By Mo Abdel | NMLS #1426884 | Updated February 7, 2026
Wholesale Mortgage Pricing in the San Gabriel Valley: The 200+ Lender Advantage
San Gabriel Valley home purchases totaled over $4.8 billion in transaction volume in 2025, with the average purchase price exceeding $1.4 million across the nine-city corridor. At this price level, the difference between wholesale and retail mortgage pricing translates to meaningful savings over the life of a loan. Wholesale mortgage brokers access 200+ lenders through wholesale channels that bypass the overhead costs of retail banks: no branch networks, no massive advertising budgets, no corporate bureaucracy. The result is more competitive rates, broader program selection, and specialized products for the SGV's unique borrower profiles: Caltech and JPL scientists with complex compensation, medical professionals at Huntington Hospital and City of Hope, international buyers in Arcadia and San Marino, and self-employed business owners throughout the region. As a licensed wholesale mortgage broker (NMLS #1426884) with Lumin Lending, I bring this full market access to every San Gabriel Valley transaction.
Wholesale vs. Retail Mortgage: Why the San Gabriel Valley Demands Wholesale Access
The San Gabriel Valley's high-value housing market amplifies the advantages of wholesale mortgage pricing. When loan amounts routinely exceed $1 million, even small rate and fee differences create substantial dollar savings. Here is how wholesale and retail mortgage channels compare for SGV borrowers.
| Factor | Wholesale Broker (Mo Abdel) | Retail Bank / Direct Lender |
|---|---|---|
| Number of Lenders | 200+ | 1 (their own products) |
| Rate Shopping | Simultaneous comparison across all lenders | Single institution's rate sheet |
| Jumbo Programs (SGV Essential) | 50+ jumbo lenders with varying guidelines | 1 jumbo product with fixed criteria |
| Bank Statement Loans | 30+ bank statement lenders | Rarely offered at retail banks |
| International Buyer Programs | Multiple foreign national lenders | Limited or unavailable |
| Physician Loan Programs | Multiple physician-specific lenders | May offer 1 physician program |
| Processing Overhead | Lower (no branch costs passed to borrower) | Higher (branch, marketing, corporate costs) |
| Personalized Service | Direct contact with broker throughout | May transfer between departments |
| Compensation Transparency | Fully disclosed on Loan Estimate | Built into rate (less visible) |
| Best For | SGV borrowers who want the best rate from the widest market | Borrowers with simple profiles who prefer a known brand |
The San Gabriel Valley Mortgage Landscape [2026]
The San Gabriel Valley's nine-city corridor presents unique mortgage challenges that favor wholesale broker access. The region's combination of high property values, diverse income profiles, and significant international buyer activity requires a broker who can match each borrower with the right lender from a deep pool of options.
High-Value Market Demands Jumbo Expertise
With median home values ranging from $1 million in La Crescenta to $3 million in San Marino, the vast majority of San Gabriel Valley purchase transactions require jumbo financing. The 2026 Los Angeles County conforming loan limit is $1,149,825 for a single-family home, meaning any loan above this amount enters jumbo territory.
Jumbo underwriting varies dramatically across lenders. One wholesale lender may offer 10% down on a $2 million purchase in La CaƱada Flintridge, while a competitor requires 20% but offers a lower rate. Another may allow asset-based income qualification that works for a retired Caltech professor, while most require traditional W-2 documentation. A wholesale broker's ability to simultaneously compare 50+ jumbo programs is the single most valuable tool for SGV homebuyers.
Caltech, JPL & Research Institution Income
The California Institute of Technology and NASA's Jet Propulsion Laboratory employ thousands of scientists, engineers, and researchers who live throughout the western San Gabriel Valley. These professionals present unique income documentation challenges that wholesale lending solves:
- Base salary plus consulting income: Many Caltech professors supplement their salary with consulting fees, speaker honoraria, and expert witness payments. Standard bank underwriting may struggle to document this; wholesale lenders specializing in professional income can incorporate all income streams.
- Stock compensation: Caltech and JPL employees who also hold equity in startups or advisory roles may have stock-based compensation. Specific wholesale lenders accept restricted stock units (RSUs) and vested options as qualifying income.
- Grant-funded positions: Post-doctoral researchers and grant-funded scientists may have employment contracts with defined terms. Lenders experienced with academic employment understand the renewal patterns and stability of grant-funded positions.
- Sabbatical income: Professors on sabbatical may show reduced W-2 income. Wholesale lenders familiar with academic compensation can use historical income and employment verification letters to qualify borrowers during sabbatical periods.
Healthcare & Medical Professional Income
The San Gabriel Valley's healthcare corridor, anchored by Huntington Hospital in Pasadena, City of Hope in nearby Duarte, Methodist Hospital in Arcadia, and Adventist Health in Glendale, creates a large population of medical professionals with specialized mortgage needs:
- Physician loan programs: Wholesale channels provide access to multiple physician loan products that offer reduced down payment requirements, student loan flexibility, and income projection for residents and fellows starting their careers.
- New attending income: Physicians transitioning from residency to attending positions often have employment contracts with future start dates. Select wholesale lenders can qualify based on the employment contract income, enabling home purchases before the first paycheck.
- Practice owner income: Physicians and dentists who own their practice show business income on tax returns, often with significant deductions. Bank statement loan programs through wholesale channels calculate income based on cash flow rather than taxable income.
- Locum tenens income: Healthcare professionals working temporary assignments at multiple SGV facilities have variable income that standard banks reject. Wholesale lenders specializing in contract medical income provide solutions.
International Buyer Programs: Arcadia & San Marino Focus
Arcadia and San Marino have attracted significant international buyer interest, particularly from Chinese and broader Asian-American markets, for over two decades. These buyers face unique mortgage challenges that wholesale channels address:
- Foreign national programs: International buyers without U.S. residency can obtain mortgages through foreign national lender programs. Down payments typically range from 25-40%, and qualification uses international credit reports and overseas income documentation.
- ITIN borrower programs: Individual Taxpayer Identification Number (ITIN) borrowers who are building U.S. credit history access mortgage programs through wholesale lenders that specialize in non-citizen lending.
- International business income: Borrowers whose primary income source is an overseas business require lenders experienced with international income documentation, foreign bank statements, and currency conversion considerations.
- Cross-border asset verification: Wholesale lenders working with international buyers have established processes for verifying overseas assets, transfer documentation, and gift funds from international sources.
Income Documentation Options for San Gabriel Valley Borrowers
The diversity of income profiles in the San Gabriel Valley demands flexible documentation programs. Wholesale channels provide the widest selection of income verification methods, matching each borrower with the documentation approach that best represents their true financial capacity.
| Documentation Type | How It Works | Best SGV Borrower Profile | Wholesale Lender Access |
|---|---|---|---|
| Full Documentation (W-2/Tax) | 2 years W-2 + tax returns + pay stubs | Caltech/JPL salaried employees, hospital staff | 200+ lenders |
| Bank Statement (12 mo) | 12 months personal or business bank statements | Self-employed, business owners, consultants | 30+ specialized lenders |
| Bank Statement (24 mo) | 24 months bank statements for higher qualification | Business owners with variable income patterns | 25+ specialized lenders |
| Asset Depletion | Liquid assets divided by loan term = qualifying income | Retired professionals with investment portfolios | 20+ specialized lenders |
| 1099 Income | 1099 forms + bank statements from contract work | Freelance consultants, gig economy professionals | 15+ lenders |
| P&L Statement | CPA-prepared profit and loss statement | Small business owners with organized financials | 10+ lenders |
| DSCR (Investor) | Rental property income covers mortgage payment | Real estate investors buying rentals in SGV | 40+ specialized lenders |
| Foreign National | International credit + overseas income documentation | Arcadia/San Marino international buyers | 10+ specialized lenders |
| Physician Loan | Employment contract + medical credentials | Doctors, dentists, specialists at SGV hospitals | 15+ physician-focused lenders |
Wholesale Mortgage Programs by San Gabriel Valley City [2026]
Each San Gabriel Valley city has distinct buyer demographics and property characteristics that influence the best wholesale mortgage programs. Here is a city-by-city overview of the programs in highest demand.
| City | Median Price | Typical Loan Amount | Top Programs | Key Buyer Profile |
|---|---|---|---|---|
| San Marino | $3,000,000 | $2,000,000 - $2,400,000 | Super-jumbo, Foreign national, Bank statement | International buyers, executives, legacy families |
| La CaƱada Flintridge | $2,200,000 | $1,500,000 - $1,760,000 | Jumbo, Professional income, Asset depletion | JPL scientists, Caltech faculty, retirees |
| South Pasadena | $1,800,000 | $1,200,000 - $1,440,000 | Jumbo, Professional income, Conventional | Young professionals, tech workers, educators |
| Arcadia | $1,800,000 | $1,200,000 - $1,440,000 | Jumbo, Foreign national, Bank statement | International buyers, business owners, multigenerational |
| Sierra Madre | $1,400,000 | $900,000 - $1,120,000 | Jumbo, Conventional, Professional income | Long-term residents, creative professionals |
| Pasadena | $1,200,000 | $800,000 - $960,000 | Jumbo, Conventional, Physician, Bank statement | Caltech staff, healthcare, tech, entrepreneurs |
| Glendale | $1,200,000 | $800,000 - $960,000 | Jumbo, Conventional, Bank statement, Physician | Healthcare professionals, business owners, first-gen buyers |
| Montrose | $1,100,000 | $700,000 - $880,000 | Conventional, Jumbo, FHA | Young families, move-up buyers |
| La Crescenta | $1,000,000 | $600,000 - $800,000 | Conventional, FHA, VA | First-time buyers, veterans, young families |
Real-World Wholesale Mortgage Scenarios in the San Gabriel Valley
Scenario 1: Caltech Professor with Consulting Income ā La CaƱada Flintridge Purchase
Borrower: Tenured Caltech professor, age 45, purchasing a $2.4 million home in La CaƱada Flintridge
Income profile: $280,000 base salary + $75,000 annual consulting income + $40,000 in speaking fees and royalties
Challenge: The borrower's bank would only qualify on the $280,000 base salary, limiting the loan amount and requiring a larger down payment. Consulting and speaking income was deemed "variable" and excluded.
Wholesale solution: I identified a wholesale lender specializing in academic professional income that qualified the full $395,000 annual income using a 2-year average of all documented income streams. The professor qualified for a $1.92 million jumbo loan at 80% LTV with 20% down ($480,000), with a rate competitive against the bank's offer despite qualifying a higher loan amount.
Result: The professor secured the La CaƱada Flintridge home with the full income picture documented, avoiding an unnecessary cash drain from a larger down payment. Total closing timeline: 28 days from application to keys.
Scenario 2: Arcadia International Business Owner ā Bank Statement Program
Borrower: Business owner, age 52, purchasing a $2.1 million home in Upper Rancho, Arcadia
Income profile: Owns import/export business with $3.2 million annual revenue. Tax returns show $120,000 AGI after business deductions.
Challenge: Banks and direct lenders would only qualify on the $120,000 AGI, approving a maximum loan of approximately $450,000, far below the $1.68 million needed at 80% LTV.
Wholesale solution: Using a 12-month bank statement program from a wholesale lender specializing in self-employed borrowers, I calculated qualifying income at $28,000/month ($336,000 annually) based on average monthly deposits. This supported a $1.68 million jumbo loan at 80% LTV with a 20% down payment of $420,000.
Result: The business owner purchased the Arcadia home using documented bank statement income rather than tax return income. The bank statement program was only available through wholesale channels and would not have been offered by any retail bank the borrower approached.
Scenario 3: Glendale Healthcare Executive ā Physician Loan Program
Borrower: Cardiologist, age 38, relocating to Glendale to join Adventist Health, purchasing a $1.5 million home in Verdugo Woodlands
Income profile: $420,000 annual salary confirmed by employment contract (start date 6 weeks from application). $280,000 in student loan debt.
Challenge: Standard lenders required pay stubs and would not close before the physician's start date. Additionally, the $280,000 in student loans created a high debt-to-income ratio under conventional guidelines.
Wholesale solution: A physician loan program through wholesale channels allowed qualification based on the employment contract, closing before the start date. The program excluded student loan payments from DTI calculation (standard for physician programs) and required only 10% down on the $1.5 million purchase ($150,000), with no private mortgage insurance.
Result: The cardiologist purchased the Glendale home before starting the new position, with a $1.35 million loan at 90% LTV, no PMI, and student loans excluded from qualifying. This program was available exclusively through wholesale physician-loan channels.
How the Wholesale Mortgage Process Works in the San Gabriel Valley
Working with a wholesale mortgage broker differs from the retail banking experience in ways that directly benefit San Gabriel Valley borrowers. Here is the step-by-step process from initial consultation to closing day.
- Free consultation and scenario analysis (Day 1): We discuss your purchase or refinance goals, review your income profile, and identify the best loan programs for your situation. I run your scenario through multiple wholesale pricing engines to provide a preliminary rate and cost comparison from multiple lenders.
- Pre-approval and lender selection (Days 2-5): After reviewing your documentation, I issue a strong pre-approval letter backed by wholesale lender verification. For competitive SGV markets, this letter carries the same weight as a direct-lender approval. I simultaneously identify the 3-5 best-fit lenders for your specific scenario.
- Rate lock and application submission (Days 5-10): Once you have an accepted offer (purchase) or decide to proceed (refinance), I lock your rate with the selected lender and submit the complete application package. Timing the rate lock for optimal pricing is a key broker advantage.
- Appraisal and underwriting (Days 10-25): The lender orders an appraisal of your San Gabriel Valley property. For high-value homes in San Marino, La CaƱada Flintridge, or South Pasadena, I request appraisers with local SGV experience. Underwriting reviews all documentation and issues conditional approval.
- Conditions clearing (Days 25-30): I manage the clearing of any underwriting conditions, coordinating between you, the lender, and any third parties. This is where broker experience matters: knowing how to present documentation that satisfies underwriting requirements efficiently.
- Closing (Days 28-35): Clear to close is issued, final loan documents are prepared, and closing is scheduled at a title company in the San Gabriel Valley. You sign, funds are disbursed, and the transaction is complete.
Timeline Comparison: Purchase Transactions
| Milestone | Wholesale Broker | Retail Bank |
|---|---|---|
| Pre-Approval | 1-3 days | 3-7 days |
| Lender Selection | Simultaneous comparison | N/A (single lender) |
| Appraisal Ordered | Day 5-7 | Day 7-14 |
| Underwriting Decision | Day 15-20 | Day 20-30 |
| Closing | Day 21-35 | Day 35-50 |
Jumbo & Super-Jumbo Mortgage Programs for SGV Properties
The San Gabriel Valley is fundamentally a jumbo loan market. With the 2026 conforming limit at $1,149,825 and median home prices ranging from $1 million to $3 million across the nine cities, most purchase and refinance transactions require jumbo or super-jumbo financing. Wholesale channels provide the widest selection of jumbo products with the most competitive pricing.
Jumbo Loan Parameters Available Through Wholesale
- Loan amounts: $1,149,826 to $5 million+ (some lenders to $10 million)
- Down payment: As low as 10% on loans to $2 million; 15-20% on loans to $3 million; 20-25% on loans above $3 million
- Property types: Single-family homes, condos, townhomes, 2-4 unit properties, and select luxury condominiums
- Rate options: 30-year fixed, 15-year fixed, 7/6 ARM, 10/6 ARM
- Interest-only: Available on select programs for the first 10 years, reducing monthly payments during the interest-only period
- Second homes: Jumbo financing available for second homes with slightly higher down payment requirements
Super-Jumbo Considerations for San Marino & La CaƱada Flintridge
Properties above $2.5 million in San Marino and La CaƱada Flintridge often require super-jumbo loans above $2 million. These products have specialized underwriting:
- Reserve requirements: Most super-jumbo lenders require 12-24 months of mortgage payments in liquid reserves after closing
- Appraisal standards: Two appraisals may be required for loans above $3 million
- Asset verification: Detailed verification of all assets used for down payment, closing costs, and reserves
- Income documentation: Higher scrutiny on income stability and continuity for loans above $2 million
Bank Statement & Self-Employed Mortgage Programs for the SGV
The San Gabriel Valley's entrepreneurial economy creates strong demand for non-traditional income documentation programs. From Pasadena tech startups to Arcadia import/export businesses to Glendale professional practices, thousands of SGV residents earn high incomes that do not translate to proportionate tax return income. Bank statement loan programs solve this disconnect.
How Bank Statement Loans Work
Instead of tax returns, bank statement lenders analyze 12 or 24 months of personal or business bank statements. They calculate qualifying income based on average monthly deposits (personal) or average deposits minus a percentage for business expenses (business accounts). This method reflects actual cash flow rather than taxable income.
Bank Statement Loan Parameters (Wholesale)
- Loan amounts: $250,000 to $3 million+ (some programs to $5 million)
- Down payment: As low as 10% for loans under $1.5 million; 15-20% for higher amounts
- Credit score: Minimum 660-680, with best pricing at 720+
- Statements required: 12 or 24 months of consecutive bank statements
- Expense factor: Business accounts typically apply a 50% expense factor (only 50% of deposits counted as income)
- Property types: Primary residence, second home, and investment property
- Rate adjustment: Bank statement rates carry a modest premium above full-documentation rates, reflecting the alternative documentation
Why San Gabriel Valley Buyers & Homeowners Choose Mo Abdel
As a licensed mortgage broker (NMLS #1426884) with Lumin Lending, Inc. (NMLS #2716106, DRE #02291443), I deliver wholesale market access that transforms how San Gabriel Valley borrowers finance homes. Here is what sets my approach apart for SGV transactions:
- 200+ wholesale lender relationships: I simultaneously compare rates and programs from over 200 lenders, finding the best fit for each borrower's unique profile. This is especially critical for jumbo loans where lender pricing varies significantly.
- Complex income expertise: I regularly work with Caltech professors, JPL engineers, medical professionals, business owners, and international buyers. Each income type requires matching the borrower with lenders who understand and accept their documentation.
- SGV market intelligence: Understanding San Gabriel Valley property values, neighborhood dynamics, and appraisal patterns ensures accurate property positioning throughout the mortgage process.
- Transparent pricing: Wholesale broker compensation is fully disclosed on your Loan Estimate. You see exactly what you pay for the loan and what the broker earns, creating accountability that retail banks avoid.
- Direct communication: You work with me from pre-approval through closing. No transfers between departments, no 1-800 numbers, no lost paperwork. One point of contact who knows your file inside and out.
- California and Washington licensed: For SGV borrowers with properties or investment goals in Washington State, I provide cross-state mortgage coordination.
First-Time Homebuyer Programs in the San Gabriel Valley
While the San Gabriel Valley is predominantly a jumbo market, first-time buyers entering at lower price points in La Crescenta, Montrose, and select Glendale and Pasadena neighborhoods have access to programs that reduce the barrier to entry:
- Conventional 97% LTV: 3% down payment for loans under the conforming limit on primary residences
- FHA loans: 3.5% down payment with more flexible credit requirements. FHA loan limit for LA County: $1,149,825
- VA loans: 0% down payment for eligible veterans and active military. No loan limit for VA-eligible borrowers with full entitlement
- CalHFA programs: California Housing Finance Agency offers down payment assistance and reduced-rate first mortgage programs for income-qualified buyers
- Wholesale lender first-time buyer specials: Select wholesale lenders offer rate reductions, closing cost credits, or reduced PMI for first-time buyers
A first-time buyer purchasing a $1 million home in La Crescenta could use a conventional loan with 10% down ($100,000) and access a jumbo rate through wholesale channels that is more competitive than any single bank's offering.
Wholesale Refinance Options for SGV Homeowners
San Gabriel Valley homeowners refinancing their existing mortgages benefit from wholesale access in multiple ways. Whether your goal is rate reduction, term shortening, or cash-out equity access, comparing options from 200+ lenders ensures the best possible outcome.
- Rate-and-term refinance: Replace your existing mortgage with a new loan at current market rates. Ideal for SGV homeowners who locked in higher rates and want to reduce monthly payments.
- Cash-out refinance: Access home equity by refinancing into a larger loan. Popular with SGV homeowners tapping equity for renovations, investments, or debt consolidation.
- ARM to fixed conversion: Convert an adjustable-rate mortgage to a fixed rate before the adjustment period creates payment uncertainty.
- Jumbo to jumbo refinance: For SGV homeowners with existing jumbo loans, wholesale channels access more competitive jumbo refinance programs than the original lender may offer at renewal.
Wholesale Mortgage Resources Across Los Angeles & Southern California
Regional Guides
- Wholesale Mortgage Broker California Guide 2026 ā Statewide overview of wholesale lending
- Wholesale Mortgage Broker LA Westside & Beach Cities 2026 ā Beverly Hills, Santa Monica, Pacific Palisades
- Wholesale Mortgage Broker South Bay & Palos Verdes 2026 ā Manhattan Beach, Palos Verdes, Redondo Beach
Cross-Track Guides for the San Gabriel Valley
- Reverse Mortgage SGV & Pasadena Guide 2026 ā HECM and proprietary options for seniors 62+
- Home Equity SGV & Pasadena Guide 2026 ā HELOC, HELOAN, and cash-out refinance
Specialty Programs & Resources
Frequently Asked Questions: Wholesale Mortgages in the San Gabriel Valley
What is a wholesale mortgage broker in the San Gabriel Valley?
A wholesale mortgage broker is a licensed professional who originates loans through wholesale lending channels, accessing 200+ lenders to find the best rates and programs for SGV borrowers. Unlike bank loan officers limited to one institution's products, a wholesale broker shops the entire market for jumbo, conventional, bank statement, and specialty programs.
How do wholesale mortgage rates compare to bank rates in the SGV?
Wholesale rates are consistently competitive because they eliminate overhead costs built into bank rates. For San Gabriel Valley jumbo loans on properties valued at $1-3 million or more, wholesale pricing from 200+ lenders often produces better terms than any single bank.
Can a wholesale broker help Caltech or JPL employees get a mortgage?
Yes, Caltech and JPL employees benefit significantly from wholesale broker access. Scientists and engineers with consulting income, stock compensation, or grant-funded positions have complex income structures that banks struggle to underwrite. Wholesale lenders specializing in professional income programs can qualify the full compensation picture.
What is a bank statement loan and who qualifies in the San Gabriel Valley?
A bank statement loan uses 12-24 months of personal or business bank statements to verify income instead of tax returns. This benefits self-employed borrowers, business owners, and independent contractors throughout the SGV who show lower taxable income due to business deductions. Available for purchase and refinance loans up to $3 million or more.
Can international buyers purchase property in Arcadia or San Marino through a wholesale broker?
Yes, wholesale brokers access foreign national mortgage programs from specialized lenders. These programs accommodate international buyers using international credit reports, larger down payments (25-40%), and alternative documentation. Arcadia and San Marino have significant international buyer activity.
How much can I save using a wholesale mortgage broker for a San Gabriel Valley jumbo loan?
Savings vary by loan size and scenario, but on a $1.5 million jumbo loan typical for SGV properties, wholesale pricing advantages translate to meaningful savings over the life of the loan compared to retail bank pricing. The savings come from lower overhead, competitive lender pricing, and broker-negotiated terms.
What loan programs does a wholesale broker offer for SGV properties?
Wholesale brokers offer the full spectrum: conventional, jumbo, super-jumbo, FHA, VA, bank statement, DSCR (investor), asset depletion, foreign national, and specialty programs. For the SGV, jumbo programs and bank statement programs are in highest demand.
Can doctors and medical professionals get special mortgage programs in the SGV?
Yes, physician loan programs offer reduced or zero down payment options, student loan flexibility, and income projection for residents and fellows. Huntington Hospital, City of Hope, and Glendale healthcare professionals frequently benefit from these wholesale-channel programs.
How does the wholesale mortgage process work in the San Gabriel Valley?
You work directly with Mo Abdel, who handles your application, shops your scenario across 200+ wholesale lenders, secures the best pricing, and manages the process through closing. The lender funds the loan, but you get personalized broker service. Typical closing: 21-35 days for purchase transactions.
What down payment is required for a jumbo mortgage in the San Gabriel Valley?
Standard jumbo programs require 10-20% down. Super-jumbo loans above $2 million may require 20-25%. Some wholesale lenders offer 10% down jumbo programs up to $3 million for well-qualified borrowers. More options mean more flexibility through wholesale channels.
Can I get a mortgage with non-traditional income in the SGV?
Yes, wholesale channels offer programs for nearly every income type: bank statement loans for self-employed, asset depletion for retirees, 1099 income programs for contractors, and P&L statement loans for business owners. This variety is critical in the SGV where many high earners have complex compensation.
How do I verify Mo Abdel's credentials?
Search NMLS #1426884 at nmlsconsumeraccess.org to verify Mo Abdel's active license. Lumin Lending, Inc. (NMLS #2716106) is the sponsoring brokerage with DRE license #02291443.
What is the conforming loan limit for the San Gabriel Valley in 2026?
The 2026 conforming loan limit for Los Angeles County is $1,149,825 for a single-family home. Loans above this amount are classified as jumbo and priced through wholesale lenders who specialize in high-value markets like the SGV.
Can a wholesale broker help with investment property loans in the SGV?
Yes, wholesale brokers access DSCR loans that qualify based on rental property income rather than personal income. This is valuable for SGV investors building portfolios across the San Gabriel Valley and greater Los Angeles area, available for both short-term and long-term rental properties.
Expert Summary: Wholesale Mortgage Lending in the San Gabriel Valley [2026]
The San Gabriel Valley's nine-city corridor is one of the most complex and highest-value mortgage markets in all of California. With median home prices from $1 million to $3 million, a borrower population that includes Caltech researchers, JPL engineers, healthcare executives, international business owners, and self-employed professionals, the SGV demands the breadth and flexibility that only wholesale lending channels provide.
A retail bank offers one set of products at one set of rates. A wholesale mortgage broker accesses 200+ lenders, each with distinct programs, rates, and underwriting guidelines. For a Caltech professor with consulting income, that means finding the lender who qualifies all income streams. For an Arcadia business owner, it means bank statement programs that calculate income from cash flow rather than tax returns. For a physician at Huntington Hospital, it means physician loan programs with student loan exclusions and employment contract qualification.
Whether you are purchasing your first home in La Crescenta, upgrading to a San Marino estate, refinancing a Pasadena Craftsman, or acquiring investment property in Glendale, the wholesale channel provides more options, better pricing, and faster execution than any single retail lender. Contact Mo Abdel at (949) 822-9662 for a free consultation and wholesale rate comparison tailored to your San Gabriel Valley mortgage needs.
Get Your Free San Gabriel Valley Wholesale Rate Comparison
Purchase, refinance, jumbo, bank statement & specialty programs for San Marino, La CaƱada Flintridge, Pasadena, Arcadia, South Pasadena, Sierra Madre, Glendale, Montrose & La Crescenta
Mo Abdel | NMLS #1426884 | Lumin Lending, Inc. | NMLS #2716106
Mo Abdel | NMLS #1426884 | Lumin Lending, Inc. | NMLS #2716106 | DRE #02291443
Licensed in: California, Washington
Phone: (949) 822-9662
Equal Housing Lender. All loans subject to credit approval, underwriting, and property appraisal. Rates, terms, and programs are subject to change without notice. Wholesale broker compensation is disclosed on your Loan Estimate. Not all borrowers will qualify for all programs. Bank statement loans and non-QM products may carry higher rates than full documentation loans. This material is for informational purposes and does not constitute a loan commitment or guarantee. Not available in all states. NMLS Consumer Access: nmlsconsumeraccess.org.