Top 10 Costa Mesa Lenders

Hi Realtor Partners,

Hope you’re doing well during these challenging times. Let’s stop losing loans just because your client didn’t qualify through the traditional channel. We can provide you access to both Regular & Non-Traditional mortgage solutions & Commercial lending too. Your time is valuable so I'm going to cut right to the chase on what we offer.
For Traditional Loans (Conventional, FHA, VA, USDA, Jumbo, Renovation)

• we have access to Down-Payment Assistance ($0 Money Down) on FHA & USDA Loans
• no credit score requirements on FHA & VA Loans
• 3-2-1 Temporary Buydown program which benefits Buyers, Sellers & Realtors

For Non-Traditional Loans aka NON-QMs or Portfolio Loans (Perfect for the Self-Employed)
• No Income Required on Investment Properties
• we can use either 12 Months of Bank Statements OR 1 Year of Profit & Loss Statement to qualify
• utilize Financial Assets (Asset Depletion) as income
• we cater to clients with ITIN numbers & No VISAS
• only have 1 year of 1099 income – not a problem
• Non-Warrantable Condos & Condo Hotels – not an issue
• 5-to-14 Unit Properties – is allowed
• Tip income (servers, casino dealers, etc.) not on paystubs – is acceptable
• own a Marijuana Dispensary – we do them too


Let us be your one stop shop for the majority of your clients’ lending needs. We’ll get them pre-approved beforehand so that they can shop confidently. I make every attempt to be available to you Monday through Sunday. If I don’t answer, just text me and I’ll call you right back. Here is my personal cell phone number, 602-760-9461, please reach out to me with any scenarios. When we have a qualified buyer, we’ll reach out to you as well. We’ll get through these times together.

(All programs listed above are available at the time of this email and are subject to change without notice, please do not hesitate to call me for updates)

Sincerely,

Gabby Letourneau studied Finance at Stetson University and The University of Florida. Gabby has over six years of experience helping people with their financial transactions. At 21, Gabby bought her first home and has converted it into an investment property.

Being a landlord has helped her develop knowledge and insight in homeownership. Along with her personal experiences, Gabby grew up in the real estate world. She knows the processes and procedures. Let Gabby take the stress away.

Whether buying your first house, dream home or investment property, Gabby is here for you. When Gabby is not helping her customers, you can find her riding horses, woodworking and working on craft projects.

CN Property Funding is a full service Commercial Mortgage brokerage firm matching commercial property owners with the best of financing from our lending institution partners. These include Banks, Private Investors as well as Hard Money lenders.

CN Property Funding provides funding for the purchase or refinance of all types of commercial properties including portfolio single family residences, mixed use properties, multifamily residences up to 40 units or more and any other type of commercial real estate.

We assist commercial real estate investors either an individual investor or an LLC in securing the best financing for their project at the best rate, lowest cost and quickest turn time.

We’ve partnered with over 40 hand-selected lenders nationwide and provide our own direct in-house funding to help your business with competitive offers, longer payback periods and varying product types to ensure you qualify for the very best financing available on the market today.

Over the past twenty-five years, I have had the rewarding privilege of originating residential home loans. Whether it comes to a home purchase or a home refinance. I strive to help guide you with the most important investment: your new home.

I understand how important this is to my clients and value prioritizing my clients and their needs. I am passionate about connecting with people and creating lasting relationships, as I believe this only strengthens our experience working together.

I am always honored and humbled to work with new referrals. I specialize in as first time homebuyers and all lending programs including conventional, FHA, USDA, and VA.

Additionally, for the past six years, I have proudly been a Homes for Heroes Lender and am certified as a Veteran Loan Specialist. During this time have helped over 50 families and given back over $25,000!

This allows me a small way to reward those who make our lives better for the services they provide daily; heroes include: Veterans, Police Officers, Firefighters, Teachers, Healthcare workers. Novus Home Mortgage is part of a Federally chartered bank Ixonia. As such am able to originate in all states with the exception of AK, MD, and NY.

Outside of the office, I am an avid bowler, sports nut, and motorcyclist. My wonderful wife, Judy, and I have been married for 30 years, and together we have four children, ages 27, 25, 22 and 22.

As your mortgage loan officer, I am looking forward to helping you through your home loan journey. Whether you’re ready to buy, sell, refinance, or are just thinking about making a change, I’m here for you.

I’ve been a mortgage professional for several years which has helped me see and understand the many facets of mortgage lending. Each home journey is unique, and I’ll help you find a great rate for your financial situation.

Roberta Koehl is the Founder and Managing Director of Marina Financial Funding and Windhorse Estates. Roberta started as a Commercial Loan Officer in 1987 with Marina Mortgage. Then, opened Marina Financial Funding in 1990 to offer residential loans in addition to commercial loans. In 2017, Roberta opened a sister company, Windhorse Estates to provide real estate sales to her clients.

We are a DIRECT hard money lender, offering fix and flip lending with rates starting at 8.99% and 3 points. We offer same day approvals, and can close in 4-6 days. We lend nationwide, and will finance up to 90% of the purchase price, and 100% of repairs.

We are a private equity brokerage specializing in finding the best financing options for your fix/flip, retal/rehab, and commercial real estate investment deals.

Our multiple programs offer unparalleled terms for the seasoned investor and competitive rates even if it's your first real estate investment. We also lend money to businesses for any financing needs your business may have at very competitive rates.

Joseph Esber is a loan officer at Lending USA, Inc. a direct lender for residential and commercial real estate. We're your premier mortgage lender located in Newport Beach, California. Our highly experienced loan officers take pride in finding each of our customers the lowest rates available for their home financing needs.

When we work together, you're not getting someone that only quotes rates and programs, you get a consultant that provides insight on different ways to consider structuring deals, projects, and business projects.

How do I help businesses? If you are a start-up and need to build your business credit or funding without using your personal credit I can help.

As an existing business, you may need capital for operations, growth, payroll or to fund that next project. We can provide Merchant Cash Advances and you can get money for your business fast.

Helping those that are looking to finance equipment and machinery for their business, I have great programs for this.

Real Estate Investors, I provide some of the best programs for Hard Money Lending that will allow you to fund your next project. Programs for Commercial, Multi-family, and residential. Fix and Flips are easy and fast with us.

I have over 15-years experience in the lending industry. If your not sure of your next move with your business, reach out and let's talk.