Your dream home is just ahead
Mortgage Loans in California
Loans don’t have to be overwhelming, tricky, or anxiety-inducing.
A good loan officer understands the market, can secure a range of options, and will help strategically choose a loan that will work for you.
Luckily, we know someone who can help.
simplicity
Our streamlined loan process makes the process easy giving you more time for the things that matter
clarity
We help you understand your options so you can make great decisions and close confidently
strategy
Our personalized approach means we guide you to put the right pieces in place so your financing fits your life goals
Spend more time & money on the things & people you love
As an independent mortgage broker, we work for you. We have access to more lenders with more loan products than our competitors. We don't work for the bank, nor are we tied to any one lender. This is how we ensure you have access to the most competitive interest rates in the mortgage marketplace.
We also specialize in home loans for the self-employed and those who can't traditionally verify their income and other less conventional borrower & property profiles.
Why choose us?
wide product CHOICE
A spectrum of financial products, including alternative financing like Non-QM loans and hard money loans.
27 years of experience
After 27 successful years working with people like you to achieve their goals we’re confident we’ve got you covered.
we work for you
Unlike banks or other organizations who have a vested interest in you taking their product we work for your best interests.
unCONVENTIONAL PROPERTy
Financing on unusual property types like non-warrantable condos, Tenants In Common (TIC), and short-term rentals.
unCONVENTIONAL BORROWERS
Financing to a wide range of borrower types including self employed, foreign nationals and legal entities.
"My loan officer went out of his way to make the process so easy and painless"
a perfect match
We’re the perfect fit to help with your home loan if your property is in California and…
you’re Looking to move into your dream home
If you are ready to step foot in your dream home then you are in the right place. We’re here to provide a seamless process for you.
YOU WANT TO MAKE SMART DECISIONS FOR YOUR FUTURE
Harness the investment you have already made in your home to find funds for other investments in your life.
You want to secure a stress-free retirement
Have a mortgage already and want to lower your monthly payment? Or are you ready to take out some of the equity on your home?
Specialists in Loans for Self Employed & Non Conventional Borrowers
I launched Silicon Valley Mortgage in 2001 as a way to give my clients greater access to an array of lenders and to help the self-employed, who need alternative means to qualify.
We created a system that help our clients better understand their mortgage options. We work alongside them to help make strategic decisions that align with their financial goals all while providing a simple and seamless experience.
A Different Kind of Mortgage Broker
My name is Alan Eidinger, and I help people make sound, strategic decisions and save money when they buy, sell, or refinance real estate.
After working as a realtor and mortgage loan officer for seven years, I was frustrated that the small company I was working in couldn’t provide access to the variety of loans available in the marketplace. We were unable to help the self-employed, people looking for reverse mortgages, or those needing commercial loans.
Client’s loans were often held hostage by a cumbersome, ill-conceived loan process, resulting in delays and poor experiences that I wasn’t empowered to improve.
FREQUENTLY ASKED QUESTIONS
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We’re a mortgage broker, which means we have work with over 75 different lenders that will compete for your business. Competitive rates and a wide range of options are how we get you the best possible rate.
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A personalized loan experience and expertise that can help you get the best financing options for your future, that’s the difference.
Online mortgage lenders put you through a automated process where you do all the work, and they then provide the offer. No consulting on your specific buying situation or your goals for your new home.
We make sure that you can get the most out of your mortgage because we know all of the goals you have in mind.
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A bank or credit union offers the consumer access to the limited selection of loan programs and rates that they choose to offer, and then impose strict and inflexible guidelines for qualification. An independent Mortgage broker is not limited to any one bank or set of loan programs, they instead give you access to virtually the entire mortgage marketplace. This gives you better rates, more flexible loan guidelines and even alternative financing for people who may be unable to verify their income, like the self-employed.
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We are based in Silicon Valley, so many of our clients are self-employed. There are multiple options for self-employed people to qualify for a loan, even in the event that they can’t verify their income in the traditional manner. We specialize in helping our self-employed borrowers qualify for home loans by using alternative documentation and taking advantage of the specialty loan programs.
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We have a streamlined process to apply online. Simply fill out the application and upload your documents securely to our portal. The total time to apply for a loan and upload your documents is usually less than 15 minutes! You will have multiple consultations with your Loan Officer prior to submitting your loan or your Purchase Offer.
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If you are purchasing a home, we can get you a Custom Loan Pre-Approval letter within 24 hours of us receiving your paperwork. At that point, you are ready to shop for a new home! Once you have an accepted offer, we can close purchase loans within 30 days.
Typically, we can close a refinance in 21-25 days.
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Home Loans
Purchasing a home and need some help? We help you know your options, figure out how much of a mortgage you qualify for, and how much you would need for your down payment and closing costs. Our customer centric streamlined process will have you moving in to your dream home in no time.
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Refinance
Thinking of refinancing? Combining your debts can offer BIG savings on your monthly payments so you can see an immediate improvement in your cash flow. Also, cash-out refinances allow the use of the equity in your home to complete home improvement projects, for investment or cash reserves.
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Reverse Mortgage
Have you heard about the potential benefits of a Reverse Mortgage to help create a secure retirement but are not sure how it works? A reverse mortgage allows you to use the equity in your property to eliminate your existing mortgage payment and supplement your income for a safe retirement.
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Commercial Loans
Purchasing or refinancing a commercial property? Or maybe you’re a commercial entity looking for finance. Commercial lending is a very different category of financing- we help you navigate the maze to get access to the best commercial loans available for your property type and your needs.