Top 10 Rancho Santa Margarita Lenders

Lifestyle Business Funding, LLC is a lender based off of Woodbridge, VA. Unlike traditional lenders, we approve small business loans by looking at real-life data, not just a credit score. We can provide you with the funding you need in as little as 48-72 hours and start your business right away!

Nicholas Hubbard is the Managing Principal at Nathan Capital Group, the number one source for commercial bridge loans and ground up construction financing.

We're dedicated to providing experienced investors & developers the best capital structures for your projects, with a focus on dependability. customer service, and integrity.

I have been in the mortgage industry for 8 years as a Mortgage Loan Originator and as a Mortgage Underwriter. I have the unique experience of understanding all sides of a mortgage.

I specialize in finding creative lending solutions for all situations. Whether you are buying your first home or your 50th there is a lending solution out there for you.

Sophia specializes in alternative financing. She is talented in puzzling together loan solutions that simplify the challenges of self-employed borrowers’ applications. Sophia’s strength is gathered from her childhood roots of exploring open houses at the age of 4 and always asking her Mom to show her new homes even when the home was not for sale.

Recently completed endeavors of working high volume sales, Sophia is ready to share her knowledge of structuring loans with her clients. She grew up in the real estate industry and would beg her mom to see properties that weren’t even on the market. Sophia is based in Denver, Colorado.

Mann Mortgage is a trusted and family-owned home lending company based in Montana & licensed in 30+ states. We offer conventional loans, renovation loans, innovative construction loans, and reverse mortgages.

Since our humble beginnings in 1989, Mann Mortgage has held true to our founding values, and has created a reputation of quality support and growth in the markets we serve. Our team helps qualified borrowers to fulfill their dreams of home ownership with ease.

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,

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.

With over 15 years of experience in the financial services industry, I am a mortgage lending expert and a proven leader in the consumer-direct mortgage brokerage and lending space.

As the President and CEO of Client Direct Mortgage, I leverage industry-leading technology and access to tons of loan types to help borrowers purchase or refinance fast and efficiently.

Gary has a background as a real estate developer representing buy-side large-cap listed MNC, Family Offices, and Funds with a focus on acquisitions and capital markets for commercial, multifamily, hospitality, industrial, life science, and mixed-use properties.

As the lead acquisitions executive, his role included site selection, due diligence, negotiations, entitlements for developments projects or asset management for core, core+, value add, and repositioning asset purchases. Gary has acquired over $350m in assets in California, New York, and New Jersey.

In Capital Markets, his role required him to manage 90% of the capital stack and raise outside investment on behalf of Sponsors through GP/LP Equity, Preferred Equity, Mezzanine Debt, Bridge Loans, Corporate Bonds, Structured Finance as well as Construction Debt to fund various project needs.

He’s raised over $500m on behalf of real estate developers including both equity and debt covering multiple states including California, New York, New Jersey, Georgia, and Florida.

His background as a developer allows him to quickly identify Sponsor funding needs, streamline the decision-making process, match the right capital partners, and negotiate ideal rates and terms.

Gary is licensed with Department of Real Estate in California, with a Bachelors Degree in International Economics/Foreign Exchange Program from Peking University and is bilingual English and Mandarin.

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.