Affordable Home Finance is a mortgage brokerage licensed through the California Department of Real Estate. We shop wholesale lenders for well-qualified borrowers with unique situations, so you can choose with confidence from the many home finance options available today.
We handle purchase, refinance, cash-out refinance, reverse, and mobile and manufactured home (chattel) loans. We work with well-qualified borrowers, including self-employed, hard-to-document income, ITIN, investors, jumbo, FHA, VA, USDA and conventional loans.
We work with your agent, or we can represent you if you don't have one. First-time buyers are welcome.
We serve all of California, from Redding to San Diego, including Monterey Bay, Big Sur, Carmel, San Jose, Morgan Hill, Gilroy, Santa Cruz, Watsonville, Sacramento and the Bay Area.
Good communication keeps you informed, and attention to detail makes for a smooth loan process. We're just a phone call away. Business hours are Mon-Fri 9 AM to 5 PM, by appointment.
Banks offer a narrow menu. We shop wholesale lenders for purchase loans and cash-out refinancing to consolidate debt, improve your home, or use your home's equity.
Self-employed, ITIN, or investing in rentals? We match well-qualified borrowers with lenders that understand your income.
HECM reverse mortgages for homeowners 62+, plus mobile and manufactured home (chattel) loans.