We make Mortgages Make Sense.

If you are W2’d, 1099’d, or self-employed, it doesn’t matter. With or without tax returns, using bank statements, assets, or just the rents, we have ways of getting you approved no matter how you earn.

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    Seanna Lackey - July 14, 2021

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Which loan works best for the way you live and work?

We are committed to making mortgages easier to understand. We believe in special attention and detailed explanations, so you can feel comfortable with the decision you make for your mortgage.

Mortgages for the Self Employed Borrower

Mortgages for the Self Employed Borrower

If you receive a 1099, work off a P&L or just want to qualify for a home loan based off your assets click below.

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Bank Statement Mortgages

Bank Statement Mortgages

Looking to purchase a home only using your bank statements? See how you can qualify without having to show tax returns.

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Investor using Rents Only to qualify

Investor using Rents Only to qualify

These loans are perfect for the real estate investors who want their tenants rent payments to cover the mortgage.

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FHA Home Loans

FHA Home Loans

FHA home loans are popular among first-time homebuyers because you can buy with as little 3.5% Down payment!

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Fixed-Rate Mortgages

Fixed-Rate Mortgages

A conventional(fixed-rate mortgage) is a popular type of home financing in California because it offers predictability for your budget.

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Prime Jumbo and Super Jumbo Mortgages

Prime Jumbo and Super Jumbo Mortgages

Jumbo home loans are most appropriate for a segment of high-income earners who make between $250,000-$500,000 a year.

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Current

California

Mortgage Rates

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APR

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Rate

1W Change %

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All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Home Connect to receive a personalized rate for your specific situation.

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Sherman Oaks? Rates are historically low and now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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