Our Specialty

Backed By Great People, 100% Customer Focused

The most important asset to our company, is our people. Our team was built with you as our focus.

SPEED

We have closed on Loans as Fast as 15-days!

HARD MONEY / PRIVATE MONEY

Amongst the very few in California with Rates starting at 6.75%

COMPLICATED LOANS

We have closed on Loans that other Lenders or Brokers have turned down and at very Competitive Rates!

HIGH DTI (Debt-to-Income-Ratio)

Qualify for up to 100% of your Income vs. the traditional 43%

NO TAX RETURN PROGRAMS

  • STATED-INCOME: Qualified based on a Self-Prepared P&L (Profit & Loss Statement)
  • BANK-STATEMENTS: Qualified based on Your Average Monthly Deposits!
  • VOE Only: Qualified with a 1-page Verification of Employment Form!
  • NINE / NIVA / NO-RATIO: NO-Income & NO Employment Verification for both Owner-Occupied and/or Investment Properties!
  • DSCR: Qualified only based on the Rental Income of the Investment Property!

FOREIGN NATIONAL LOANS

Great Rates & No Tax-Returns!

SUBPRIME

For Borrowers with less than a “Perfect” Credit-Profile!

MAJOR CREDIT EVENTS

Recent Bankruptcy, Foreclosure, Loan Mods and/or Employment Gaps!

ITIN / EAD / DACA

For those on Work-Visa, Employment Authorization and/or Individual Tax ID No. (No Social Security Number)

FIRST-TIME HOMEBUYER (FTHB) PROGRAMS

  • DPA (Down-Payment-Assistance) Programs: Sponsored by either the City, County, State (CalHFA) or the Federal Government!
  • MCC (Mortgage Credit Certificate): Reduces your Effective Interest-Rate up to 20%

Send us a message

Licensing

CA-DFPI
NMLS MLO: 2068056
Branch NMLS: 1425046

Andrew Mehta HR WHITE (1)
Obsidian Financial Services Logo

*Disclaimer: The information provided by this site cannot be guaranteed in regards to your individual financial position by The Home Team by Andrew. All examples are hypothetical for illustrative purposes only. For the most accurate and personalized results, we encourage you to seek advice from one of our qualified financial professionals.

Contact Us

273 S Rosemead Blvd
Pasadena, CA. 91107