Delivering tailored residential financing across Santa Monica, from luxury North of Montana architectural homes to beachfront condominiums and Silicon Beach modern residences.
Serving North of Montana, Ocean Park, Sunset Park, Mid-City Santa Monica, Pico, and Downtown Santa Monica.
Statutory Verification: Designated federal high-cost area at the maximum statutory conforming and FHA ceiling ($1,249,125). (Source: 2026 FHFA Conforming & HUD FHA limits) Federal baseline conforming limit is $832,750; maximum high-cost ceiling is $1,249,125. VA financing provides 0% down with full entitlement without statutory county loan caps.
Explore primary purchase, refinancing, and equity loan programs with direct underwriting support.
Competitive 30-year and 15-year fixed-rate financing for purchase and refinancing throughout California.
Government-backed financing featuring flexible credit criteria and low 3.5% down payment options.
Zero down payment mortgage options and no monthly PMI for California active-duty military and eligible veterans.
Financing for California luxury and high-cost properties exceeding baseline FHFA conforming limits.
Rate-and-term and cash-out refinancing options to lower monthly payments or access property equity.
Access accumulated home equity for renovations, investments, or liquidity without altering your primary rate.
Dedicated guidance, down payment education, and streamlined pre-approvals for new California homebuyers.
Model estimated monthly principal, interest, taxes, and insurance payments for California properties.
Common home financing questions for borrowers in Santa Monica, California.
We provide specialized jumbo mortgages with loan amounts up to $5M+ featuring competitive 30-year fixed, 7/1 and 10/1 ARMs, and interest-only payment structures for qualified borrowers.
RSUs and performance bonuses from established technology and media employers can be included in qualifying income with a documented two-year history and continuance expectations.
Yes. We offer conforming and jumbo condominium financing for warrantable developments across Santa Monica, with low down payment options for qualified buyers.
Explore conforming limits, property tax context, and all programs available across Los Angeles County.
Get pre-approved online or speak directly with our Beverly Hills lending team. Transparent rates, zero origination surprises, and direct California loan officers.