Discover the Best Mortgage Rates & Easy Loan Options in California
Estimate my Monthly Payment
Loans
Conventional, FHA, VA, USDA, and Jumbo loans for homebuyers.
Refinancing
Rate-and-term and cash-out refinances to help you save money or tap into your home's equity.
Home Equity
Borrow against your home’s equity with a flexible Home Equity Line of Credit (HELOC).
We’re Here to Help You
Ready to Own your House? Let’s Mortgage Guide You
Specialty Programs
First-time homebuyer programs, renovation loans, and solutions for self-employed borrowers.
Calculator
Discover what's possible based on your numbers.
What’s Your Homeownership Goal?
First-Time Homebuyers
Step-by-step guidance and simple explanations of all loan options.
Move-Up Buyers & Homeowners
Seamless upgrades, sales, and refinances.
Strategic Refinancers
Lower your rate, consolidate debt, or access home equity.
Entrepreneurs & Self-Employed Borrowers
Flexible, customized lending beyond traditional banks.
Why Choose JL Lending Team?
Independent Advantage
Unlike big banks, we are not tied to a single lender. We shop around on your behalf to find the most competitive rates and loan programs.
Personalized Service
You will work with a dedicated mortgage expert who will guide you through every step of the process, from pre-approval to closing.
Local Expertise
We have a deep understanding of the local real estate market and can provide valuable insights to help you make a smart investment.
Commitment to Education
We believe that an informed borrower is an empowered borrower. We will take the time to explain your options and answer all of your questions.
Building trust and results across California.
Smarter Than Banks. Better Than Online Lenders.
Where Technology Meets True Mortgage Advocacy
We combine the speed of modern digital tools with the power of expert guidance. While online lenders focus on quick approvals and banks push limited options, JL Lending Team works for you — comparing rates from multiple lenders to find the best deal every time.
Why We Stand Out
Online Lenders
Fast but limited
Big Banks
Familiar but restricted
JL Advantage
The same speed, with smarter choices and lower rates.
JL Advantage
Full-market access and unbiased loan options.
Online Lenders
Fast but limited
JL Advantage
The same speed, with smarter choices and lower rates.
Big Banks
Familiar but restricted
JL Advantage
Full-market access and unbiased loan options.
Frequently
Asked Questions
Still have a question?
Does applying affect my credit?
No, our initial quote form uses soft data only. We won’t pull your credit until you give us
permission.
How fast can I get approved?
Do I need a realtor to start the process?
Not at all! In fact, getting pre-approved before you find a realtor is a strategic move. It defines your budget and shows agents you are a serious, qualified buyer. If you don’t have a realtor yet, we can connect you with top-rated local agents we trust and work with regularly.
What types of loans do you offer?
As an independent broker, we aren’t limited to one bank’s products. We offer a comprehensive range of solutions including Conventional, FHA, VA, USDA, and Jumbo loans. We also specialize in HELOCsand unique programs for self-employed borrowers and real estate investors.
Are you licensed to do business in my state?
We are currently fully licensed to serve clients in California, Texas, and Arizona. If you are looking to purchase outside of these three states, we can still assist you. We maintain an extensive network of trusted partners nationwide to help facilitate your transaction, ensuring you receive expert care no matter where you decide to call home.
